{"id":3913,"date":"2022-10-20T15:50:26","date_gmt":"2022-10-20T15:50:26","guid":{"rendered":"https:\/\/blog.payxpert.com\/2022\/10\/20\/nouveaute-pour-les-commercants-visa-actualise-ses-conditions-concernant-la-compelling-evidence-3-0\/"},"modified":"2025-11-11T13:47:52","modified_gmt":"2025-11-11T13:47:52","slug":"nouveaute-pour-les-commercants-visa-actualise-ses-conditions-concernant-la-compelling-evidence-3-0","status":"publish","type":"post","link":"https:\/\/blog.payxpert.com\/fr\/nouveaute-pour-les-commercants-visa-actualise-ses-conditions-concernant-la-compelling-evidence-3-0\/","title":{"rendered":"Nouveaut\u00e9 pour les commer\u00e7ants : Visa actualise ses conditions concernant la Compelling Evidence 3.0"},"content":{"rendered":"<p style=\"font-size: 15px;\">Le 30 juin, VISA a organis\u00e9 un webinaire sur les changements que la CE 3.0 (pour Compelling Evidence 3.0, ou Preuves irr\u00e9futables 3.0) apportera aux litiges associ\u00e9s \u00e0 la fraude. Nous vous r\u00e9sumons ci-dessous les principaux points d\u00e9taill\u00e9s. Dans l\u2019ensemble, les nouvelles conditions repr\u00e9sentent une bonne nouvelle pour les commer\u00e7ants.<\/p>\n<p><!--more--><\/p>\n<p style=\"font-size: 15px;\">VISA a expos\u00e9 la progression intense des transactions sans pr\u00e9sence de carte (CNP, pour Card-Not-Present) depuis la pand\u00e9mie de la COVID (+51% entre 2019 et 2021), ce qui a conduit \u00e0 une augmentation de 29% des litiges associ\u00e9s. Alors que 80% des litiges CNP sont associ\u00e9s \u00e0 la fraude, il est logique d\u2019am\u00e9liorer les processus par lesquels ces litiges sont g\u00e9r\u00e9s.<\/p>\n<p style=\"font-size: 15px;\">Selon VISA, la nouvelle approche derri\u00e8re le CE3.0 est bas\u00e9e sur <strong>3 piliers essentiels<\/strong>:<\/p>\n<ul style=\"font-size: 15px;\">\n<li>Des donn\u00e9es structur\u00e9es par les commer\u00e7ants, pour que les \u00e9metteurs puissent \u00e9valuer plus efficacement la validit\u00e9 du contentieux,<\/li>\n<li>De nouvelles r\u00e8gles pour un jugement simplifi\u00e9 de la transaction frauduleuse<\/li>\n<li>Une mise en \u0153uvre via une int\u00e9gration pour fournir les donn\u00e9es du commer\u00e7ant \u00e0 l\u2019\u00e9metteur (que cela soit avant ou apr\u00e8s le litige)<\/li>\n<\/ul>\n<p style=\"font-size: 15px;\">VISA souhaite que le Commer\u00e7ant affiche une relation claire entre le Titulaire de la carte et le Commer\u00e7ant. Pour ce faire, de nouveaux crit\u00e8res sont d\u00e9finis concernant les preuves \u00e0 fournir par le commer\u00e7ant pour faire face \u00e0 un litige:<\/p>\n<ul style=\"font-size: 15px;\">\n<li>Le Commer\u00e7ant doit fournir au moins 2 transactions avec la m\u00eame m\u00e9thode de paiement qui ont \u00e9t\u00e9 r\u00e9gl\u00e9es au moins 120 jours avant la date du litige. Chaque transaction doit \u00eatre non contest\u00e9e et non frauduleuse,<\/li>\n<li>VISA d\u00e9finit 4 \u00e9l\u00e9ments de donn\u00e9es de base des transactions&nbsp;: l\u2019ID utilisateur, l\u2019adresse IP, l\u2019adresse de livraison et l\u2019ID de l\u2019appareil<\/li>\n<ul>\n<li>Au moins 2 \u00e9l\u00e9ments des donn\u00e9es de base ci-dessus doivent correspondre entre les transactions pr\u00e9c\u00e9demment fournies et les transactions contest\u00e9es,<\/li>\n<li>Un des 2 \u00e9l\u00e9ments doit \u00eatre soit l\u2019adresse IP, soit l\u2019identifiant de l\u2019appareil.<\/li>\n<\/ul>\n<\/ul>\n<p style=\"font-size: 15px;\"><strong>Modifications de la responsabilit\u00e9 en cas de litige<\/strong><\/p>\n<p style=\"font-size: 15px;\">La nouvelle r\u00e8gle (comparativement \u00e0 la pr\u00e9c\u00e9dente) est plus stricte en termes du nombre minimum de transactions ant\u00e9rieures (non contest\u00e9es) \u00e0 envoyer (de 1 \u00e0 2 minimum), et de l\u2019anciennet\u00e9 de ces transactions pr\u00e9c\u00e9demment envoy\u00e9es (plus de 120 jours avant la date de contestation). D\u2019un autre c\u00f4t\u00e9, la nouvelle r\u00e8gle est plus permissive en termes du nombre d\u2019\u00e9l\u00e9ments de donn\u00e9es de base de la transaction \u00e0 fournir, du Commer\u00e7ant \u00e0 l\u2019\u00e9metteur (de 4 \u00e0 2 minimum).<\/p>\n<p style=\"font-size: 15px;\">Cependant, le changement le plus cons\u00e9quent concerne la <em>responsabilit\u00e9 en cas de litige<\/em>. Selon la r\u00e8gle en vigueur, m\u00eame si le commer\u00e7ant a soumis tous les \u00e9l\u00e9ments de donn\u00e9es de base n\u00e9cessaires, la responsabilit\u00e9 du litige incombe \u00e0 l\u2019acqu\u00e9reur. Ce serait le cas si le client soumettait une explication valable pour poursuivre le litige.<\/p>\n<p style=\"font-size: 15px;\">La nouvelle r\u00e8gle changera cela, rendant l\u2019\u00e9metteur responsable du litige lorsque le Commer\u00e7ant aura satisfait \u00e0 tous les crit\u00e8res CE3.0 requis. Cela signifie un <strong>changement important<\/strong>, qui permet aux commer\u00e7ants honn\u00eates de faire face \u00e0 un plus grand nombre de litiges, y compris ceux d\u00e9coulant de fraude amicale.<\/p>\n<p style=\"font-size: 15px;\"><strong>Donner au commer\u00e7ant plus d\u2019options en cas de litige<\/strong><\/p>\n<p style=\"font-size: 15px;\">Les commer\u00e7ants auront la possibilit\u00e9 de soumettre des preuves irr\u00e9futables conform\u00e9ment \u00e0 la CE3.0, aussi bien au moment du litige, qu\u2019apr\u00e8s le litige. La CE3.0 \u00e0 l\u2019\u00e9tape pr\u00e9alable du litige fonctionnera principalement par l\u2019interm\u00e9diaire de l\u2019Order Insight de VISA-Verifi. Dans ce cas, VISA aidera le Commer\u00e7ant dans la pr\u00e9s\u00e9lection de 5 litiges maximum r\u00e9pondant aux crit\u00e8res CE3.0. Le succ\u00e8s de l\u2019\u00e9tape de pr\u00e9-contestation pourrait permettre de d\u00e9tourner la r\u00e9trofacturation et d\u2019annuler la fraude.<\/p>\n<p style=\"font-size: 15px;\">Si le Commer\u00e7ant choisit la voie post-contentieux, il incombe au Commer\u00e7ant et \u00e0 son acqu\u00e9reur\/processeur de paiement de rassembler toutes les conditions n\u00e9cessaires pour faire face aux litiges conform\u00e9ment aux crit\u00e8res CE3.0. La r\u00e9ussite dans l\u2019\u00e9tape post-contentieux permettrait d\u2019annuler la fraude, mais de ne pas d\u00e9tourner la r\u00e9trofacturation.<\/p>\n<p style=\"font-size: 15px;\">La CE3.0 commencera \u00e0 s\u2019appliquer en <em>avril 2023<\/em>. Les Commer\u00e7ants ont jusqu\u2019\u00e0 cette date pour se familiariser avec et \u00eatre pr\u00eats \u00e0 appliquer les conditions CE3.0. Il s\u2019agit certainement d\u2019une bonne occasion pour les commer\u00e7ants d\u2019am\u00e9liorer leurs taux d\u2019autorisation, tout en obtenant des taux de fraude plus pr\u00e9cis et en offrant une meilleure exp\u00e9rience globale aux consommateurs.<\/p>\n<p style=\"font-size: 15px;\">En savoir plus sur <a href=\"https:\/\/www.payxpert.fr\/optimisation-des-ventes\/\">l\u2019optimisation des ventes<\/a> pour les commer\u00e7ants par PayXpert.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>VISA a r\u00e9cemment organis\u00e9 un webinaire sur les changements que Compelling Evidence 3.0 apportera aux litiges li\u00e9s \u00e0 la fraude.<\/p>\n","protected":false},"author":31,"featured_media":3914,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-3913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- 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