The Evidence Economy

Why Disputes Are Moving Beyond Receipts

In a Nutshell

Traditional chargeback evidence is losing ground. Receipts, shipping confirmations, and AVS or CVV matches may still show that a transaction happened, but they do not always prove who made it. In this ChargeForward Replay episode, Justin Clements sits down with Simon Wijckmans, CEO and co-founder of Cside, to explore why issuers are now looking for stronger context, stronger signals, and stronger proof. As fraud tactics evolve and VAMP raises the pressure on merchants, the conversation makes one thing clear: winning disputes increasingly depends on showing how a transaction happened, not just that it happened.

Key Takeaways:

Why traditional evidence is losing effectiveness in today’s dispute environment

How browser-side signals can strengthen compelling evidence and dispute prevention

Why device continuity is becoming one of the strongest trust indicators for issuers

How behavioral context can help distinguish legitimate purchases from fraud

What card testing, bots, and enumeration attacks mean for VAMP risk

Why merchants need to prepare now for AI agents and new dispute scenarios

Meet Our Speakers:

Simon Wijckmans

Simon Wijckmans

CEO and Co-Founder,
Cside

Justin Clements

Justin Clements

Director of PR and Media Relations,
Chargebacks911

Episode Summary:

Disputes are no longer being decided solely by receipts, timestamps, and proof of delivery. That shift is forcing merchants to rethink what compelling evidence actually looks like. In this episode, our experts break down how browser-side intelligence helps fill that gap. From device fingerprinting and behavioral monitoring to identifying VPN usage, automation, and suspicious session patterns, these signals can help merchants spot fraud earlier and present stronger evidence when disputes happen. The discussion also explores how merchants can use this data proactively under compelling evidence 3.0, potentially stopping some invalid disputes before they are filed at all.

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