Visa · 13.9Consumer35% industry win rate
Non-Receipt of Cash / Load Transaction
Cardholder claims ATM/load funds not received.
Required evidence
- ATM journal
- Dispense confirmation
Playbook
ATM journal is decisive. Digital wallet loads need transaction ID + destination.
Amavest auto-bundles this
When a dispute hits your Stripe account with code 13.9, 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 13.9 mean?
- Cardholder claims ATM/load funds not received.
- What is the win rate for Visa 13.9 disputes?
- Industry-observed representment win rate for Visa 13.9 (Non-Receipt of Cash / Load Transaction) averages around 35% when the correct evidence is submitted within the network's response window.
- What evidence is required to fight a Visa 13.9 chargeback?
- To dispute Visa 13.9, acquirers typically require: ATM journal; Dispense confirmation.
- How should a merchant respond to a Visa 13.9 dispute?
- ATM journal is decisive. Digital wallet loads need transaction ID + destination.