What is this reason code?
Triggered when a cardholder claims they cancelled a service or returned a product, and the merchant agreed to a refund but never processed it.
Representment & Winning Strategy
You must prove either that the refund was actually processed (and provide the Acquirer Reference Number / ARN), or that the customer was never entitled to a refund based on the cancellation policy they agreed to at checkout.
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:
- ✓The strict no-refund or cancellation policy agreed to at checkout.
- ✓Evidence the customer did not meet the conditions for a refund.
- ✓If refunded, the ARN or proof of credit issued to the cardholder.
- ✓Communication transcripts refusing the refund based on policy.
Source: Visa Rules, public edition, Category 13 — Consumer Disputes, §13.6 (Credit Not Processed) · 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.