What is this reason code?
This dispute code is raised when the cardholder claims they did not authorize the transaction and their card was used fraudulently online.
Representment & Winning Strategy
Under the Visa Compelling Evidence 3.0 (CE 3.0) rules, fraudulent disputes can be won by providing historical evidence of transactions. You must prove the card was used by the same customer for prior, undisputed transactions at least 120 days ago, using matching device fingerprints, IP addresses, or shipping addresses.
Required Evidence Checklist
To successfully reverse this chargeback, you should gather the following evidence. Verdact automates the ingestion of these files and links them to the dispute details:
- ✓IP address and device fingerprint of the disputed transaction.
- ✓Device/IP fingerprints matching at least two prior undisputed transactions at least 120 days old.
- ✓Matching customer name, billing address, and email across historical transactions.
- ✓Platform usage data establishing standard customer footprint.
Source: Visa Rules, Category 10 — Fraud, §10.4, plus the Visa Compelling Evidence 3.0 (CE 3.0) program requirements (2 prior undisputed transactions, 120-365 days, matching data elements) · As of: Oct 2025 edition. Card network rules change; verify current terms with the network or your processor before relying on this page to file. Reviewed against Verdact's primary-source rulebook extracts as of July 2026.
Fight this dispute before the network deadline
Connect your Stripe account in test mode to automatically scan your dispute profiles, build a Chain of Intent evidence record, and review the final response packet.
Free during beta. Nothing is filed without you.