Compelling Evidence 3.0

The PayDiverse Walkthrough

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Managing chargebacks and mitigating fraud is one of the largest challenges most business owners face. That’s why we’re excited to introduce you to Compelling Evidence 3.0 (CE3)—an innovative risk management solution tool that empowers you to dispute chargebacks effectively and prevent them from escalating.


Unleashing New Opportunities

Visa’s CE3 guidelines have revolutionized the way merchants can challenge chargebacks categorized under reason code 10.4 for Fraud—Card Absent Environment.

This update opens doors for merchants to present compelling evidence, rebutting first-party fraud claims related to unauthorized card-not-present transactions. By providing evidence of two non-disputed and non-fraudulent CNP transactions settled at least 120 days prior, merchants can qualify for CE3. The disputed transaction must match at least two core data elements with the non-disputed transactions, such as IP address or device ID, ensuring a strong case for dispute resolution.


CE3 with Verifi Order Insight

CE3 combines seamlessly with Verifi Order Insight, a robust chargeback deflection tool integrated with major credit card issuers’ systems. Verifi Order Insight empowers all parties involved in a transaction by providing them with the necessary details to resolve disputes before they escalate into chargebacks. By equipping issuers’ representatives with the relevant information, Verifi Order Insight helps identify potential instances of fraud, flag suspicious cardholders, and resolve any confusion swiftly. Its proactive approach takes place before chargebacks are filed, ensuring that disputes are resolved without the need for chargebacks.

CE3 can be seamlessly used both pre- and post-dispute, offering merchants flexibility and control throughout the chargeback management process. While post-dispute evidence is supplied through Visa Resolve Online (VROL) and the regular representment process, pre-dispute uses of CE3 are facilitated through Verifi Order Insight. Leveraging the data-sharing capabilities of Verifi Order Insight, merchants can present compelling evidence during the pre-chargeback phase, securing their position and preventing chargebacks proactively.


Empowering Merchants with Unmatched Benefits

The integration of CE3 with Verifi Order Insight unlocks unparalleled benefits for merchants. For the first time, previous transactions by the same cardholder can be included as part of their rebuttal, enhancing the depth and effectiveness of the provided evidence. With CE3, merchants can rest assured that any qualifying use of the rules guarantees a chargeback deflection, providing peace of mind and significantly reducing financial losses.


A More Efficient Chargeback Dispute Process

PayDiverse’s incorporation of CE3 in our high-risk merchant accounts presents a game-changing opportunity for merchants seeking effective chargeback management solutions. At PayDiverse, we’re committed to empowering businesses like yours with cutting-edge risk management tools. By leveraging CE3 and Verifi Order Insight, you can proactively dispute chargebacks, protect your revenue, and establish a robust defense against fraudulent activities. Embrace this revolutionary solution today and unlock the true potential of chargeback prevention and resolution.


What does a PayDiverse high-risk merchant account include?

PayDiverse specializes in high-risk merchant support, providing world-class service for merchants who struggle to work with typical banks and payment aggregators. Our banking network includes domestic and offshore solutions, giving high-risk merchants access to multi-bank transaction distribution and decreasing the risk of overexposure and account termination.

Our chargeback protection and risk management solutions are rolled into our high-risk merchant accounts. These include:

  • Real-time pre-chargeback alerts
  • Chargeback dispute system with CE3 and Verifi Order Insight
  • ISpy fraud prevention software
  • Reliable and secure payments
  • Automatic multi-bank transaction distribution
  • Customized processing strategy
  • Daily account monitoring and management
  • Descriptor testing
  • Customer service testing
  • 24/7 customer support


How to Get Started with PayDiverse

Opening a PayDiverse merchant account is easy. With more than 15 years of experience in processing payments for high-risk merchants, we’ve tested and worked with more than 40 banks in North America and beyond. Our team only submits your applications to the banks that are designed to fit your business model, giving us the power to approve 98% of applications.

PayDiverse offers:

  • 24-hour approval times
  • Account set up within 48 hours
  • Secure processing
  • Creative solutions for high-risk merchants

The application process is easy. Simply fill out our web form, add your digital signature to your applications and submit the requested supporting documents.

Apply online today!

Diverse Payment Processing is Smart Processing

Fill out our free and quick merchant account application and let us match you with many banks that want your business.