Visa's Compelling Evidence 3.0 rule lets you beat "I didn't authorize this" (reason 10.4) chargebacks with proof that the same cardholder ordered from you before — and kept it. DisputeDash finds that history and builds the proof automatically, on every qualifying case.
Most fraud chargebacks aren't fraud — they're a real customer who forgot, or is trying it on. CE3.0 is the Visa rule (effective April 2023) that finally lets you prove it. If the cardholder has a history of undisputed orders from you, that history is your evidence.
The rule turns on four data elements. A qualifying prior order has to share the right ones with the disputed transaction:
The network the order came from.
Anchor elementThe fingerprint of the device used to order.
Anchor elementThe login or email tied to the purchase.
Where the goods were delivered.
You need at least two earlier transactions from the same cardholder that were never disputed.
Each prior order shares at least two of the four data elements with the disputed one — and one match must be the IP address or device ID.
The qualifying priors fall roughly 120 days to a year ahead of the disputed transaction (the pre-chargeback "Order Insight" path).
CE3.0 only helps if you can actually find the matching orders and assemble the proof in the format the bank expects — for every case, before the deadline. That's exactly the part we automate.
When a Visa fraud chargeback (10.4) lands, DisputeDash flags it as a CE3.0 candidate automatically — no tagging, no manual triage.
It pulls the cardholder's full order history from your checkout platform and scores each prior order against the four data elements.
Qualifying priors are compiled into a clean "prior transaction history" document — dates, amounts, matched elements, fulfillment — ready for the bank.
The document is added to the evidence packet alongside your rebuttal letter and the rest, and submitted through your processor — automatically.
CE3.0 was written for one-click reorders. Subscription rebills are merchant-initiated, so they carry no customer IP of their own — which locks most subscription businesses out of the rule entirely. DisputeDash fixes that.
The insight: a rebill has no IP, but the order that started the subscription does. That first checkout is where the real cardholder typed their card in — and it's the strongest match you have.
DisputeDash traces every rebill back to its originating order and carries that signup IP and shipping address forward as the customer's footprint. Now a subscription charge can match on IP + account and qualify — where a raw rebill never could.
CE3.0 is public. Actually applying it on every fraud chargeback — pulling the order history, scoring the elements, formatting the proof, meeting the deadline — is the work. Doing it by hand doesn't scale.
DisputeDash applies CE3.0 at the representment stage — it strengthens your response to a chargeback that's already been filed, giving the issuer a documented reason to rule in your favor. It's a materially stronger case, not a guaranteed reversal, and it stacks on top of the rest of your evidence rather than replacing it. Used pre-chargeback through Visa's Order Insight, the same matched history can deflect a dispute before it's ever filed.
Compelling Evidence 3.0 is built into the DisputeDash platform — on by default for Visa fraud disputes. Connect your processors and it starts working on the next one.