Visa 13.1: Services Not Received

What is this reason code?

This is the most common reason code for B2B SaaS and agency chargebacks. It is triggered when the cardholder claims they paid for a service, but the merchant failed to deliver the service, or the service was not rendered by the agreed-upon date.

Representment & Winning Strategy

To win a Visa 13.1 dispute for services, you must prove three things (the Chain of Intent): first, that the client agreed to a specific scope of work (contract/proposal); second, that the work was delivered (deliverables, files, or reports sent); and third, that the client acknowledged and accepted the delivery (email confirmation, sign-off, or Slack approvals). Traditional auto-evidence generators that only submit raw Stripe invoices will fail this code.

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:

• ✓Signed agreement, proposal, or contract showing the scope of services.
• ✓Contemporaneous emails or Slack message transcripts where the client approves the work.
• ✓Detailed timestamps showing deliverables completed and sent to the client.
• ✓SaaS usage history or platform activity logs verifying active account actions post-purchase.