Visa 13.3
Not as Described or Defective
Category: Consumer Disputes Workflow: Collaboration
Merchant response window
30 days
Workflow
Collaboration
What triggers it
Merchandise defective or materially different from representation.
What to check first — evidence for representment
Photos, shipping condition records, return policy compliance.
Confidence: high.
Sourced from PaymentBrief's Visa reference article. Reason-code definitions and timelines change — verify against your scheme documentation or acquirer portal before acting.
Full reference
Visa Reason Codes: The Complete VCR Map