Visa's Compelling Evidence 3.0 by automatically providing dispute evidence in real-time, turning what was traditionally a manual, time-consuming task into a powerful, real-time defense against fraudulent disputes.
3-Stage Chargeback Armor
Smart Evidence Collection
Automatically tracks and stores every customer's:
Purchase history (including tokenized card data)
Device fingerprints
IP addresses
Shipping/billing patterns
Builds comprehensive customer profiles that update with each transaction
Instant Chargeback Alerts
Receives real-time notifications of disputes (often before they officially hit your merchant account)
Immediately cross-references the disputed transaction with the customer's complete purchase history
AI-Powered Evidence Submission
Instantly generates compelling evidence packages that include:
2+ previous undisputed transactions
Matching customer data points
Behavioral patterns proving legitimate use
Automatically submits to issuers through Visa's network
Why This is a Game-Changer for Merchants
Compelling Evidence transforms disputes from a reactive nuisance into a proactive shield:
75% Faster Responses - Submits evidence within seconds instead of days
40% More Wins - AI selects the most persuasive evidence combinations
Zero Manual Work - Fully automated from alert to resolution
Seamless Integration - Works alongside Order Insight and other protections
The Complete Fraud-Fighting System
When you combine:
Order Insight (prevents confusion chargebacks)
Compelling Evidence (invalidates fraud claims)
Automation (makes it all effortless)
...you get an end-to-end defense system that stops disputes before they start and automatically fights back when needed.