Visa Chargeback Reason Code

Visa Reason Code 13.5: Misrepresentation

Category Consumer DisputesBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026

What Visa Reason Code 13.5 Means

Visa reason code 13.5 applies when a cardholder claims the terms of a purchase were misrepresented, so the goods or services were materially different from what the merchant represented at the time of sale.

Why This Chargeback Happens

This dispute commonly occurs when marketing or sale terms were misleading, when a purchase included undisclosed conditions, or when the cardholder believes they were misled about what they were buying.

What the Cardholder or Issuer Is Claiming

The cardholder claims the merchant misrepresented the goods, services, or terms of the transaction.

What Merchants Should Review

Review the advertised and agreed terms, the sales representations made, disclosures at checkout, and any communication clarifying the offer.

Recommended Chargeback Evidence

Accurate advertising and sale-term records
Disclosures presented before purchase
The terms and conditions the cardholder accepted
Communication clarifying the offer to the cardholder

How to Prevent Similar Disputes

These disputes may be reduced by describing offers accurately, disclosing material terms clearly before purchase, and avoiding misleading marketing.

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

Last reviewed July 17, 2026

Chargeback rules, evidence requirements, and response options may vary by card network, region, processor, and dispute circumstances.