Visa 13.6 — Credit Not Processed
Consumer Dispute chargeback.
Code
13.6 VisaCategory
Consumer Dispute
What it means
The merchant promised a refund that was not processed.
Evidence that wins
Proof the refund was issued, or that the cardholder was not entitled to it.
How to prevent it
Process refunds promptly and send confirmation.
Rules and deadlines differ by region and acquirer — always check the instructions in your PSP dashboard.