Policy Update Roundup
The latest card network policy changes affecting dispute management — Visa and Mastercard rule updates that merchants need to know.
DisputeDesk Editorial
Why policy changes matter
Card networks update their dispute rules regularly. Missing a policy change can mean submitting evidence that no longer meets requirements, or missing new opportunities to win disputes you'd previously lose.
Visa Compelling Evidence 3.0
Visa's CE 3.0 allows merchants to submit historical transaction data as evidence for fraud disputes. If you can show two prior undisputed transactions from the same cardholder with matching identifiers (IP address, device ID, or delivery address), the dispute can be reversed without traditional evidence.
Mastercard Collaboration
Mastercard's collaboration program encourages merchants and issuers to resolve disputes before they become chargebacks. Merchants enrolled in the program receive alerts 24–72 hours before a chargeback is filed, giving them time to issue a refund and avoid the chargeback fee.
Response deadline updates
Both networks periodically adjust response deadlines. Always check your processor dashboard for the current deadline — don't rely on general timelines published online.
Staying current
Subscribe to your processor's policy update newsletters. Review card network bulletins quarterly. Update your evidence templates whenever a rule changes.
Key Takeaways
FAQ
Disclaimer
This content is for informational purposes only and does not constitute legal advice.
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