Compelling Evidence 3.0

Compelling Evidence 3.0 refers to the latest guidelines and criteria Visa sets for merchants to dispute chargebacks effectively. This update aims to streamline the dispute process by expanding the types of evidence merchants can submit to contest chargebacks, thereby enhancing their ability to demonstrate transaction validity or service fulfillment.

Under Compelling Evidence 3.0, Visa recognizes a broader array of documentation and digital records as valid submissions. These can include but are not limited to, electronic logs of customer interactions, proof of digital downloads or service access, geolocation data, IP address matching, and detailed product descriptions that match the purchase.