You did everything right. You pulled the delivery confirmation. You screenshotted the order details. You wrote a clear timeline of what happened. You packaged it all into a clean PDF and submitted it through your processor's portal before the deadline. Denied. No explanation. No feedback. Just a lost
Most merchants find out about Compelling Evidence 3.0 the same way they find out about most Visa rule changes — after losing a dispute they could have won. Visa introduced CE3.0 in April 2023. It is one of the most significant rule changes for merchants in years. It gives
Visa 10.4 is the most common fraud chargeback code in ecommerce. Here's what the bank is actually checking in your response, why most submissions fail automatically, and what evidence actually shifts liability back to the bank.