"In an effort to keep up with the changing landscape of payments and fraud, credit card networks make frequent changes to the rules and policies governing the chargeback process. Most of these changes are relatively minor, but every once in a while they roll out a major update. One major update Visa has implemented is Visa Compelling Evidence 3.0."

"On April 1, 2025, Visa made changes to dispute-related fees in the U.S. and Canada. While the fees are officially levied on acquirers, most acquirers pass on these costs to merchants. Understanding how these fees work — and how delays in responding to chargebacks can translate directly into increased expense — is critical for businesses trying to protect their margins."