Visa · 13.3Consumer48% industry win rate
Not as Described or Defective Merchandise
Cardholder claims product/service materially differs from description.
Required evidence
- Original product listing / description snapshot
- Photos or specs proving parity
- Return policy + whether the customer initiated a return
- Support tickets showing resolution attempts
Playbook
Prove the listing matches what was delivered. Include any support offers to remedy — bank sees good-faith effort.
Amavest auto-bundles this
When a dispute hits your Stripe account with code 13.3, Amavest pulls the evidence above, drafts the response, and submits it before the deadline.
Related consumer codes
Frequently asked questions
- What does Visa chargeback reason code 13.3 mean?
- Cardholder claims product/service materially differs from description.
- What is the win rate for Visa 13.3 disputes?
- Industry-observed representment win rate for Visa 13.3 (Not as Described or Defective Merchandise) averages around 48% when the correct evidence is submitted within the network's response window.
- What evidence is required to fight a Visa 13.3 chargeback?
- To dispute Visa 13.3, acquirers typically require: Original product listing / description snapshot; Photos or specs proving parity; Return policy + whether the customer initiated a return; Support tickets showing resolution attempts.
- How should a merchant respond to a Visa 13.3 dispute?
- Prove the listing matches what was delivered. Include any support offers to remedy — bank sees good-faith effort.