ChargebackKit
Evidence ChecklistAll GatewaysFraud

Fraud Chargeback Evidence Checklist

Evidence checklist for fraud and unauthorized transaction chargebacks. Covers identity verification, transaction authentication, and behavioral evidence for Visa reason code 10.4 and Mastercard 4837.

Evidence Checklist (12 items)

  • 1AVS match confirmation
  • 2CVV/CVC verification result
  • 33D Secure authentication record
  • 4IP address and geolocation data
  • 5Device fingerprint or ID
  • 6Customer account creation details
  • 7Prior purchase history from same card
  • 8Email correspondence with cardholder
  • 9Signed delivery receipt
  • 10Photo ID verification if collected
  • 11Behavioral analytics data
  • 12Order velocity and pattern analysis

Understanding fraud chargebacks

Fraud chargebacks occur when a cardholder claims they did not authorize a transaction. This is the most common chargeback reason code across all card networks. Winning fraud disputes requires proving the legitimate cardholder made and benefited from the purchase.

Authentication evidence

The strongest evidence for fraud disputes comes from transaction authentication. AVS match, CVV verification, and 3D Secure results prove the person entering the card details had access to the physical card and billing information. Gather all authentication data from your payment processor.

Behavioral evidence

Beyond authentication, behavioral evidence connects the transaction to the cardholder. This includes IP geolocation matching the billing address, device fingerprints from previous legitimate purchases, customer account history, and delivery to the cardholder's known address.

Friendly fraud indicators

Many fraud chargebacks are actually friendly fraud where the cardholder made the purchase but disputes it. Look for evidence of product use after purchase, customer service contacts about the product, prior undisputed purchases, and delivery confirmation to the billing address.

Skip the Template — Get a Complete Evidence Pack

ChargebackKit generates a full evidence pack with an AI-powered response letter, organized exhibits, and structured evidence tailored to your specific dispute.

Get Your Evidence Pack — $19

Frequently Asked Questions

What is the difference between true fraud and friendly fraud?↓
True fraud occurs when someone other than the cardholder uses stolen card details. Friendly fraud occurs when the actual cardholder makes a purchase and then disputes it. The evidence strategy differs significantly between the two.
Does 3D Secure guarantee I will win a fraud dispute?↓
3D Secure provides a liability shift for certain fraud chargebacks, meaning the issuing bank bears the loss instead of you. However, this applies only to specific reason codes and requires proper implementation.
How do I prove the cardholder received the product?↓
Use tracking numbers with delivery confirmation, signed delivery receipts, delivery photos, and any post-delivery communication with the customer such as product reviews or support requests.

Related Templates

Evidence Checklist

Stripe Evidence Checklist

Evidence Checklist

PayPal Evidence Checklist

Response Letter

Fraud Response Letter

Win Your Chargeback Dispute

Stop losing revenue to chargebacks. ChargebackKit builds complete evidence packs with professional response letters and organized exhibits—starting at $19.

Get Your Evidence Pack — $19