Beyond the Basic Receipt
When a customer files a chargeback, standard payment processors like Stripe or Adyen provide a generic form to pass evidence along to the issuing bank. Most merchants simply upload a basic PDF receipt, an order confirmation email, and a tracking linkāhoping a human bank adjudicator will read it.
30 days later, the issuing bank rejects the claim and marks the dispute Lost.
Why do standard receipts fail?
Card networks (Visa, Mastercard, Amex) don't evaluate disputes like humans do. They use strict, automated rule setsāmost notably Visa Compelling Evidence 3.0 (CE 3.0). Under these rules, standard order receipts don't prove who actually completed the purchase or consumed the service.
The 3 Non-Negotiable Data Telemetries
To meet updated network compel criteria and win representments consistently under CE 3.0 guidelines, your evidence packages must contain deterministic infrastructure logs:
Device & IP Fingerprinting: Historical IP addresses and device IDs matching prior, non-disputed transactions from the same cardholder.
Authentication Telemetry: Fully documented 3DS (3D Secure) handshake logs, CVC verification checks, and AVS (Address Verification System) matches.
Usage & Access Logs: Timestamped audit trails showing software logins, digital downloads, or service consumption linked directly to the buyer's account.
Automating Your Evidence Pipeline
Manually gathering IP logs, database entries, and receipt screenshots for every dispute is impossible at scale.
The Forge automates this entire pipelineāextracting raw telemetry across your tech stack, formatting it into structured third-person legal packages, and writing the result directly back to your payment processor.
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