MRC Online Courses

Visa Compelling Evidence 3.0

The Visa Compelling Evidence 3.0 course offers a practical, in-depth understanding of the latest rules and documentation requirements designed to help merchants effectively defend against first-party misuse and friendly fraud. Visa’s CE 3.0 framework introduces new standards that allow merchants to proactively stop disputes from becoming chargebacks if qualifying historical transaction data and matching criteria are presented.

Participants will explore the detailed evidence requirements, implementation strategies, and the broader impact of CE 3.0 on fraud and chargeback management. The course analyzes real-world examples, outlines the verification criteria for matching elements like IP address, device ID, and email, and explains how the pre-dispute and dispute resolution process is evolving. Merchants, acquirers, and fraud professionals will leave with actionable strategies for integrating CE 3.0 into their operations to protect revenue and reduce operational friction.

Who Should Enroll?

  • Fraud and Risk Managers responsible for defending fraud chargebacks and friendly fraud claims.
  • Chargeback Analysts and Operations Teams seeking to implement CE 3.0 processes.
  • Merchants and Payment Providers aiming to meet Visa’s latest evidence requirements.
  • eCommerce Professionals looking to reduce chargeback losses and improve fraud ratios.

Learning Objectives

  • Define First-Party Misuse
  • Define Compelling Evidence 3.0 Criteria
  • Define how to establish a historical footprint
  • Understand the merchant matching process
  • Understand Pre-Dispute Process Flows
  • Understand Post-Dispute Process Flows
  • Identify how Merchants, Issuers, and Acquirers Benefit from Compelling Evidence 3.0

Program Details

  • Program Level: Intermediate
  • Program Field of Study: Specialized Knowledge
  • Program Delivery Method: QAS Self Study
  • CPE Credits: 1.4
  • Advanced Preparation and/or Pre-requisites: Fraud Essentials is recommended.
  • Pricing: USD $150 (plus applicable taxes) | MRC Members receive a 50% discount on all eLearning courses.

Please allow 2-3 hours to complete this course. The course culminates with a comprehensive final assessment to evaluate the user's comprehension of the material. Upon successfully completing the final assessment, participants will be awarded a certificate of completion representing their proficiency in the subject matter.

CPE credits can be applied toward industry certifications such as the Certified Payments and Fraud Prevention Professional (CPFPP) and the Certified Fraud Examiners (CFE).

MRC Education Accreditation

The Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: nasbaregistry.org

National Registry of CPE Sponsors logo

MRC Education Refund Policy

MRC Education eLearning course refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to programs@merchantriskcouncil.org. Refunds will not be issued once a course is started. Additionally, courses must be completed within one year of the course enrollment date.