Your code, your deadline, your exhibit list.

2 · what this code asks you to prove

Visa 10.4

other fraud — card-absent environment

The cardholder told their bank they did not authorise or take part in an online or phone transaction.

Visa is not asking whether the charge was real. It is asking you to prove this cardholder took part in it.

• Proof of delivery to the AVS-matched addressCarrier record naming the address that passed AVS. A signature or a photo at the door is stronger again.decisive
• Two prior undisputed transactionsVisa's compelling evidence 3.0 route, live since 15 April 2023. Two earlier orders by the same person, the oldest at least 120 days before this one, sharing two of: IP address, device ID, login ID, shipping address.decisive
• Evidence the goods or service were usedLogin timestamps, download logs, licence activation, seat used, session recorded. Use is participation.decisive
• The authorisation recordAVS result, CVV result, 3-D Secure result, IP address, device fingerprint, and the exact timestamp.strong
• Order confirmation and invoiceEstablishes what was sold and for how much. It does not prove who bought it.supporting
• The cardholder email threadAny message from the cardholder's own address about this order is participation evidence.supporting

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