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Visa 10.4 · CE 3.0

Visa Compelling Evidence 3.0 on Stripe: 120 to 365 Day Rules

On a Visa fraud dispute (reason code 10.4), CE 3.0 moves the loss to the cardholder's bank when the same customer paid you at least twice before, 120 to 365 days earlier, with matching details such as the IP address or email.

1. The 120 to 365 Day Window

CE 3.0 covers Visa fraud disputes on payments where the card wasn't present, such as an online checkout. Link the disputed payment to at least two earlier payments on the same card.

Both earlier payments must have settled 120 to 365 days before the disputed one, with no refund and no dispute. Renewals from the last 30, 60, or 90 days don't count.

2. Matching Details and the Device Trap

Across the disputed payment and both earlier ones, at least two customer details must match, and one of them must be a main detail:

Main details: IP address (customer_purchase_ip), device ID (customer_device_id), device fingerprint (customer_device_fingerprint).
Secondary details: account or user ID (customer_account_id), email (customer_email_address), shipping address (shipping_address).
Device trap: a device ID and a device fingerprint alone don't qualify. Also match the IP address or a secondary detail.

3. Where to Find These in Stripe

Stripe checks your payment history for CE 3.0 on Visa fraud disputes. When a dispute qualifies, Stripe tells you on the dispute page and by email, and fills in the evidence. Leave those fields as they are.

The payment's risk insights in Stripe show the customer's IP address for 6 months, when your checkout sends it. For earlier payments older than that, take the IP address from your own logs. Where to find each detail in Stripe.

4. For Developers: the enhanced_evidence Payload

When you answer through the API, pass both earlier charge IDs (ch_...) in evidence.enhanced_evidence.visa_compelling_evidence_3.prior_undisputed_transactions, with the same matched details you send on disputed_transaction.

Questions

Does Stripe check Visa CE 3.0 for me?

Yes, on Visa fraud disputes. Stripe tells you on the dispute page and by email when a dispute qualifies, and fills in the evidence. Leave those fields as they are.

Do refunded charges count as prior transactions for Visa CE 3.0?

No. Both earlier payments in the 120 to 365 day window must stay settled, with no refund, no dispute, and no fraud report from the bank (a TC40).

Can I match customer_device_id and customer_device_fingerprint by themselves?

No. Visa doesn't accept those two device fields alone. Also match customer_purchase_ip, customer_account_id, customer_email_address, or shipping_address.

Check whether your older payments qualify.

The form opens on a Visa fraud dispute and tests the 120 to 365 day window and the matching details.

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