Visa · 13.5Consumer38% industry win rate
Misrepresentation
Merchant allegedly misrepresented terms of sale.
Required evidence
- Product listing snapshot
- T&Cs at checkout
- Marketing claims audit
Playbook
Screenshot the exact listing/T&Cs the customer accepted at purchase time.
Amavest auto-bundles this
When a dispute hits your Stripe account with code 13.5, 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 13.5 mean?
- Merchant allegedly misrepresented terms of sale.
- What is the win rate for Visa 13.5 disputes?
- Industry-observed representment win rate for Visa 13.5 (Misrepresentation) averages around 38% when the correct evidence is submitted within the network's response window.
- What evidence is required to fight a Visa 13.5 chargeback?
- To dispute Visa 13.5, acquirers typically require: Product listing snapshot; T&Cs at checkout; Marketing claims audit.
- How should a merchant respond to a Visa 13.5 dispute?
- Screenshot the exact listing/T&Cs the customer accepted at purchase time.