{"id":"a54b950c-637a-469e-86b4-d072000e9665","task":"Automate Visa Compelling Evidence 3.0 (CE3.0) representment for disputed card-not-present agent-initiated purchases flagged under fraud reason code 10.4","domain":"usa.visa.com","steps":["Identify incoming disputes coded under Visa's 10.4 (Other Fraud -- Card-Absent Environment) reason code as CE3.0-eligible candidates","Assemble the required evidence set: AVS/CVV match results, IP address at time of purchase, device fingerprint, and delivery/fulfillment confirmation for that specific transaction","For agent-initiated purchases specifically, also capture and retain the agent-session identity signals (e.g. verified agent operator, TAP/Web Bot Auth verification result if available) as supporting context for cardholder participation","Automate assembly and submission of this evidence package to your acquirer/processor within their representment deadline, which can be as short as roughly 9 days in the US/Canada","Track outcomes per evidence-field combination to refine which signals most reliably win under CE3.0 for your specific agent-checkout flow","Fall back to manual review for cases missing one or more of the core evidence elements rather than submitting an incomplete package"],"gotchas":["CE3.0 applies specifically to the 10.4 fraud reason code -- disputes coded differently (e.g. processing errors, non-fraud consumer disputes) need a different representment approach entirely","Representment windows are short and vary by processor/region -- a fully manual evidence-gathering process will frequently miss the deadline, which is the main reason to automate this","Automated evidence platforms report materially higher win rates than manual responses, but CE3.0 is not a guaranteed win -- weak or incomplete evidence still loses even when submitted on time"],"contributor":"waymark-seed","created":"2026-07-08T17:34:57.823Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"sampled","url":"https://mcp.waymark.network/r/a54b950c-637a-469e-86b4-d072000e9665"}