Visa 10.4 — Fraud, Card-Absent Environment

Issuer alleges the cardholder did not authorize a card-not-present transaction. Compelling evidence focuses on matching the transaction to a prior undisputed purchase or to account access.

Required evidence

1. AVS + CVV match on authorization
   Demonstrates the purchaser possessed the card's billing details at the time of sale.
   Visa Dispute Rules 11.4.4 — Compelling Evidence 3.0
2. IP address + device fingerprint at checkout
   Links the disputed order to the cardholder's historical login or browsing profile.
   Visa CE 3.0 §2 — prior undisputed transaction linkage
3. Proof of delivery to the cardholder's verified address
   Signed or geolocated delivery to the AVS-matched address neutralizes fraud claims.
   Visa Dispute Rules 11.4.3

Recommended evidence

1. Two prior undisputed purchases on the same account (120 days)
   Under Visa CE 3.0, two matching good transactions establish a pattern that rebuts fraud.
   Visa CE 3.0 §3.1
2. Account login history (timestamps, IPs, device IDs)
   Shows the purchaser used the cardholder's authenticated account, not a stolen card alone.
   Visa CE 3.0 §2.3