What is this reason code?
Mastercard equivalent of Visa 13.1. It is raised when the cardholder claims the merchant did not perform the services or failed to make the platform available.
Representment & Winning Strategy
Provide a structured evidence packet showing deliverables were fully rendered. In B2B SaaS, this is supported by usage logs and setup activity. In agencies/consulting, this is supported by completed project boards, source code repositories, or design link deliverables.
Required Evidence Checklist
To successfully reverse this chargeback, you should gather the following evidence. Verdact automates the ingestion of these files and links them to the dispute details:
- ✓Detailed deliverables checklist indicating completion dates.
- ✓Usage/activity records indicating client was actively utilizing the platform.
- ✓Contemporaneous correspondence confirming the client was satisfied with the progress.
- ✓A copy of the terms of service accepted at checkout.
Source: Mastercard Chargeback Guide, Consumer Disputes chapter — MRC 4853 / 4850 / 4854 (Cardholder Dispute Chargeback) · As of: 2025 edition on file. Card network rules change; verify current terms with the network or your processor before relying on this page to file. Reviewed against Verdact's primary-source rulebook extracts as of July 2026.
Fight this dispute before the network deadline
Connect your Stripe account in test mode to automatically scan your dispute profiles, build a Chain of Intent evidence record, and review the final response packet.
Free during beta. Nothing is filed without you.