Visa 13.1 — Merchandise / Services Not Received

Code

13.1 Visa

Category

Consumer Dispute

What it means

The cardholder says they did not receive the goods or service.

Evidence that wins

Tracking with delivery confirmation (signature for high value), proof of digital access/download logs, communication with the customer.

How to prevent it

Ship with tracking, send delivery updates, keep access logs for digital goods.