Build Visa Compelling Evidence 3.0 (CE3.0) evidence to reverse a 10.4 card-absent fraud dispute under Visa Claims Resolution

Steps

1. Confirm the dispute was filed under Visa reason code 10.4 (Other Fraud - Card-Absent Environment); CE3.0 only applies to this reason code.
2. Pull two prior undisputed, non-fraud-reported transactions from the same cardholder that are between 120 and 365 days older than the disputed transaction (the 120-day floor doesn't apply if the prior transactions were original credit transactions).
3. Match at least two data elements across all three transactions, and ensure at least one of the two matches is IP address, device ID, or device fingerprint rather than only softer fields like name or shipping address.
4. Submit the qualifying evidence either pre-dispute via Verifi's Order Insight during the Visa Resolve Online pre-dispute window, or post-dispute/pre-arbitration through your acquirer if the pre-dispute window was missed.
5. If validated, expect the chargeback to reverse; note it affects your dispute ratio even though your fraud ratio is unaffected.
6. Where Visa Secure (3DS) or Visa Data Only was used on the transaction, check whether Visa's automatic CE3.0 qualification already covers it before manually assembling evidence.