News

Visa's expanded Compelling Evidence 3.0 (CE3.0) rules take effect for disputes processed on or after October 24, 2026, changing the transaction history that can be used to challenge certain card-not-present fraud disputes under reason code 10.4.

The two prior undisputed purchases no longer have to come from the merchant facing the dispute. They can also be made with a related payment credential, such as a token tied to the same Visa card. Visa now recognizes eligible login IDs from agentic payment providers too.

At the invalid-dispute check, a purchase order number sent to the cardholder can now stand in for an item description on more ECI 7 ecommerce transactions. The transaction must carry a valid CAVV (Visa Secure), TAVV (Visa Token Service) or Match Key (Visa Intelligent Data Exchange).

Qualifying history still needs matching customer data. In pre-arbitration, an acquirer can submit only transactions it accepted and processed.

Source: Visa Core Rules and Visa Product and Service Rules (October 24, 2026), §§11.8.5.3 and 11.8.5.6 (Rule IDs 0030254 and 0030257).

Visa's April 2026 threshold change is now in effect. The merchant Excessive threshold has dropped from 2.2% to 1.5% across the US, Canada, EU, and Asia-Pacific — meaning merchants who were previously in a gray zone may now be classified as Excessive if they also meet Visa's monthly minimum count of fraud and disputes and its other identification criteria. Those merchants are then subject to applicable assessments.