Visa Chargeback Reason Code
Visa Reason Code 13.4: Counterfeit Merchandise
Category Merchandise or ServicesBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What Visa Reason Code 13.4 Means
Visa reason code 13.4 applies when a cardholder claims the merchandise received was counterfeit, meaning it was not genuine and infringed the rights of the legitimate brand owner.
Why This Chargeback Happens
This dispute commonly occurs when goods are alleged to be counterfeit or inauthentic, often based on the cardholder's determination or a third-party assessment that the item is not genuine.
What the Cardholder or Issuer Is Claiming
The cardholder claims the merchandise received was counterfeit rather than genuine.
What Merchants Should Review
Review sourcing and supplier documentation, authenticity records, product descriptions, and any communication with the cardholder about the item's authenticity.
Recommended Chargeback Evidence
- Documentation showing the merchandise is genuine
- Supplier or authorized-distributor records
- Authenticity certificates where applicable
- Records addressing the cardholder's counterfeit claim
How to Prevent Similar Disputes
These disputes may be reduced by sourcing from authorized suppliers, retaining authenticity documentation, and describing products accurately.
Important Limitations
This page is educational and reflects common industry usage. Visa dispute rules, timelines, and evidence requirements change over time. Merchants should confirm current requirements with their acquirer or processor.
Related Reason Codes
Sources and Review Information
- Visa: Visa Merchant Dispute Management Guidelines
- Visa: Visa Core Rules and Visa Product and Service Rules
Last reviewed July 17, 2026
Chargeback rules, evidence requirements, and response options may vary by card network, region, processor, and dispute circumstances.