Visa Chargeback Reason Code

Visa Reason Code 13.6: Credit Not Processed

Category Refunds and CreditsBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026

What Visa Reason Code 13.6 Means

Visa reason code 13.6 applies when a cardholder claims they were owed a credit or refund that the merchant did not process, or a cancellation credit that was not issued.

Why This Chargeback Happens

This dispute commonly occurs when a refund was promised but not issued, when a return was accepted without a corresponding credit, or when a credit was delayed beyond the expected timeframe.

What the Cardholder or Issuer Is Claiming

The cardholder claims an owed credit or refund was not processed to the account.

What Merchants Should Review

Review the refund or cancellation policy, any credit issued, the timing of the credit, and communication with the cardholder about the refund.

Recommended Chargeback Evidence

Records showing a credit was issued and its date
The refund or cancellation policy disclosed to the customer
Documentation that no refund was owed, if applicable
Communication about the refund status

How to Prevent Similar Disputes

These disputes may be reduced by issuing owed credits promptly, disclosing refund policies clearly, and confirming refunds to customers.

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.