Atlas, a shopping agent is buying concert tickets for a returning customer. Choose how the order reaches the merchant, then step through what the merchant can see, and whether the order goes through.
Screen recordings of the same three checkout approaches. Picking one here also switches the simulation above.
Visa’s Compelling Evidence 3.0 lets a merchant win a dispute if the same device fingerprint and IP address were used by that person in an earlier transaction within the last 120 days. An agent that hides both leaves the merchant with nothing to show.
Under the Visa Acquirer Monitoring Program (VAMP), fraud reports and disputes both count against the merchant’s ratio.