Is your business a good candidate for CE3.0 deflection?


Launched in April 2023, Visa’s Compelling Evidence 3.0 (CE3.0) represents a major shift in post-sale fraud protection for merchants; but some merchants are more equipped than others to reap the benefits.

Is your business well positioned to harness the benefit of the rule change in the pre-dispute phase? The below will help you realign the way your business captures and stores data to take full benefit of CE3.0 and future rule changes in a data driven ecosystem.

Do you: Have repeat customers who make frequent purchases? 
Offer customers monthly subscriptions or regularly scheduled orders?
Want to reduce your fraud and dispute ratios?
Retain revenue from sales targeted by first-party misuse disputes?
Have the ability to store sales data for 365 days and retrieve data for a specific sale within 2 seconds from the database?

CE3.0 works best for merchants who store relevant data of customers so a historical footprint can be established. At a very base level, merchants must be able to supply at least two additional purchases from the same customer within the span of 120 to 365 days from the date of the dispute– and the data to prove it.


Historical footprint : noun

  • Data driven proof of a pre-existing relationship between the merchant and the cardholder.

Data Storage. To leverage in pre-dispute or pre-arbitration?

How you store your data matters. In the fast-paced payments ecosystem, fraud can occur in a matter of seconds, so response time must keep pace. Storing data in a centralized location eliminates any sort of lag in your system, allowing the response time of transferring your historical footprint data to occur in less than two seconds – a necessity for the CE3.0 pre-dispute systematic dispute deflection tool which has shown to automatically deflect an average of 45-70% of all eligible transactions1.

Conversely, if your business utilizes multiple systems to store transaction data elements, it may mean you’ll need to parse and search through several different databases to find the relevant data you’re looking for – which adds time to the clock and could mean you miss out on the two second SLA for automatic deflection. In this instance, it makes sense to harness CE3.0 in pre-arbitration while simultaneously making strategic steps to integrate the storage of relevant data points into a central repository for the future of increasingly data driven automated dispute deflection.

Discovery: Understand the Requirements of Systematic Dispute Deflection

An integration to CE3.0 for systematic dispute deflection may seem daunting. Verifi’s reps integrate merchants and partners to Order Insight for systematic dispute deflection every day. Reach out for a quick discovery call and to better understand the requirements.