Visa 13.9: Non-Receipt of Cash or Load Transaction Value
Cardholder DisputesDefense: WeakMATCH relevance: Low
Issuer filing window
120 days from transaction date
Merchant response window
30 days
Cardholder claims they did not receive cash from an ATM or value loaded onto a prepaid card. Specific to ATM operators and load merchants.
Compelling evidence for 13.9
- ATM transaction journal
- Cash dispense audit
- Prepaid load confirmation
Visa 13.9 questions.
How long do I have to respond to a Visa 13.9 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 13.9?
The issuer filing window for 13.9 is 120 days from transaction date.
How hard is 13.9 to defend?
Defense difficulty for this code is rated Weak in our catalogue. The evidence list above is what the schemes accept for this code.
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