Visa 13.5: Misrepresentation
Issuer filing window
120 days from transaction or expected service date
Merchant response window
30 days
Cardholder claims the merchant misrepresented the terms, conditions, or nature of the transaction. Common in subscription trials, weight-loss / nutra offers, and free-trial-to-paid flows.
Playbook note: Hardest cardholder-dispute code to win. Issuers default to the cardholder when terms were not clearly disclosed at the point of sale. Subscription businesses are highest risk.
Compelling evidence for 13.5
- Clear pre-purchase terms screenshot
- Cardholder consent log
- Itemized receipt
- Disclosure of recurring billing if applicable
Visa 13.5 questions.
How long do I have to respond to a Visa 13.5 chargeback?
30 days from notification. Missing the response window normally forfeits the dispute, whatever the merits of your case.
How long can the issuer wait before filing 13.5?
The issuer filing window for 13.5 is 120 days from transaction or expected service date.
How hard is 13.5 to defend?
Defense difficulty for this code is rated Weak in our catalogue. Hardest cardholder-dispute code to win. Issuers default to the cardholder when terms were not clearly disclosed at the point of sale. Subscription businesses are highest risk.