What is this reason code?
This code is used when the customer claims the service they received was completely different from what was agreed upon, or did not match the quality promised.
Representment & Winning Strategy
Winning Visa 13.3 requires proving that the deliverables matched the agreed-upon contract specifications. Show the client approved interim milestones and accepted the final outcome, proving that they are raising the dispute as an afterthought to avoid payment.
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 contract or Statement of Work (SOW) outlining deliverables.
- ✓Milestone acceptance records or written sign-off confirming work met requirements.
- ✓Review records, meeting minutes, or emails showing feedback loops and satisfaction.
- ✓Activity reports showing they used the deliverables in their business operations.
Source: Visa Rules, public edition, Category 13 — Consumer Disputes, §13.3 (Not as Described or Defective Merchandise/Services) · As of: Oct 2025 edition. 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.