Integrating Visa CE 3.0 & Mastercard First Party Trust Fraud Protection

What This Guide Covers

Visa CE 3.0 and Mastercard FPTP provide structured frameworks for contesting card-not-present (CNP) fraud disputes by establishing a verifiable purchase history tied to the cardholder. When the required data is in place, these programs can shift or eliminate your liability for fraudulent chargebacks by demonstrating a pattern of legitimate cardholder activity.

Step 1: Identify Qualifying Chargebacks

Step 2: Find Related Transactions

Related transactions are prior purchases on the disputed card that serve as evidence of cardholder legitimacy - demonstrating that the same cardholder made similar/ other purchases before without flagging them as fraud.

To qualify, you must identify at least 2 prior transactions that meet all of the following conditions:To qualify, you must identify at least 2 prior transactions that meet all of the conditions below:

1. Same Payment credential:
   The prior transactions must share the same card number (PAN or token) as the disputed transaction.
2. No Fraud Flag from the Issuer:
   The issuer must not have reported the prior transaction as fraudulent to Visa or Mastercard. If either qualifying transaction was later disputed or flagged for fraud, it cannot be used as supporting evidence.
3. Within the Eligible Date Window:
   For most transactions, the qualifying purchase must have occurred between 120 and 365 days before the dispute was filed. For Original Credit Transactions only, there is no 120-day floor, and any point up to 365 days prior is acceptable.

Step 3: Verify Card Scheme Requirement

To qualify for Visa CE 3.0 or Mastercard FPTP, follow the relevant guides below for the transactions you identified.

Visa Compelling Evidence 3.0

Effective for Disputes processed through 23 October 2026

The following requirements apply to CE 3.0 submissions. If 2 fully qualifying transactions cannot be identified, other allowable compelling evidence may still be submitted to strengthen your case.

To qualify for CE 3.0, both of the following conditions must be satisfied (Transaction Description & Matching Data Elements):

• Step 1: Transaction Description

  • A detailed description of the merchandise or services purchased must be provided for both the disputed Transaction(s) and the 2 previous Transactions.
    OR
  • For Electronic Commerce transactions processed via Visa Secure, a purchase order number may be submitted in place of a detailed description - but only if both of the following apply:
    • Electronic Commerce Indicator (ECI) value of 7, and
    • A valid Cardholder Authentication Verification Value (CAVV)

• Step 2: Matching Data Elements

  At least 2 of the data elements below must match across the 2 prior transactions and the disputed transaction. At least 1 of those matching elements must be either a Device ID/fingerprint or an IP address.
  • Device ID/device fingerprint
  • IP address
  • Customer Account/ Login ID
  • Full delivery address
    

    Data Element	Requirements
    Device ID	Must be a unique identifier of the Cardholder's device; must be at least 15 characters
    Device Fingerprint	Must be a unique identifier derived from at least 2 software or hardware properties of the device (e.g., browser version, OS version); must be at least 20 characters; may be hashed
    IP Address	Must be the Cardholder's public IP address (IPv4 or IPv6)
    Customer Account/ Login ID	The unique identifier the Cardholder uses to authenticate on the site/ app at the time of the Transaction (not hashed)
    Full Delivery Address	Must include street address, city, state/province, postal code (or country equivalent), and country

Mastercard First Party Trust Program (FPTP)

To qualify for Mastercard FPTP, you must provide at least one match from each of the three categories below (Device Factor, Delivery Factor, and an additional factor):

Example data structure using our API

By using our Transaction enrichment endpoint with the next body param:

{
    "transactionId": "65SD89F08236587G4",
    "transactionCardLastFourDigits": "5450",
    "transactionCardAppleLast4Digits": "3847",
    "transactionCardScheme": "Mastercard",
    "transactionCardBin": "458059",
    "transactionCustomerDisplayedTransactionDescription": "Sugarcube New York",
    "transactionCardFingerprint": "Xt5EWLLDS7FJjR1c",
    "transactionCreatedDate": "2022-03-15T09:39:24.514Z",
    "transactionStatus": "COMPLETE",
    "transactionPaymentType": "cardonfile",
    "transactionEarlyFraudWarningFraudType": "card_never_received",
    "transactionVerificationCustomerPicture": "Image.com/imagyimage284972395",
    "transactionEarlyFraudWarningCreated": "2022-03-15T09:39:24.514Z",
    "transactionArn": "8563785864",
    "transactionOrderIpAddress": "173.66.27.204",
    "transactionOrderDeviceId": "m7Cmrf++0cW4P6XfF7m/rA",
    "transactionOrderUserAgent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/93.0.4577.63 Safari/537.36",
    "transactionOrderEmail": "[email protected]",
    "transactionBillingEmail": "[email protected]",
    "transactionShippingToAddressLine1": "1111 S Figueroa St",
    "transactionShippingToAddressLine2": "Suite 22",
    "transactionShippingToCity": "Los Angeles",
    "transactionShippingToZipCode": "90015",
    "transactionShippingToState": "CA",
    "transactionShippingToCountry": "United States",
    "transactionShippingToCountryCode": "US",
    "transactionOrderSteamId": "8376938475934759",
    "transactionOrderPhone": "19495551234",
    "transactionBillingAddressCity": "Laguna Beach",
    "transactionBillingAddressAddressLine1": "30801 S Coast Hwy",
    "transactionBillingAddressAddressLine2": "Suite Number 21",
    "transactionBillingAddressZipCode": "92651",
    "transactionBillingAddressState": "CA",
    "transactionBillingAddressCountry": "United States",
    "transactionOrderItemsProductName": "Concealer Palette",
    "transactionOrderItemsProductDescription": "A professional concealer palette. shade #light"
}