Visa 13.5
Misrepresentation
The cardholder says the terms of the sale were misrepresented at purchase. This code reads what was on the page at the moment of sale: the price, what was included, the term length and the cancellation terms. Your case is the disclosure, not the outcome.
The evidence this code accepts
- 1
The description and terms the customer bought from
The disclosure at the time of sale is the evidence.
- 2
How the terms were shown and accepted
A ticked box beats a footer link on every code that reads policies.
- 3
The cancellation terms
Most misrepresentation claims are about what happens after the sale.
- 4
Customer messages
Shows what the customer was told, in their own record.
- 5
Proof the service or goods were supplied as described
Ties the disclosure to what actually happened.
Where sellers lose this one
- They send current terms rather than the terms in force on the order date.
- The disclosure existed but nothing shows the customer passed it.
Build the pack for Visa 13.5
5 questions specific to this code, plus the order and the notice. No account. You see the assessment and what is missing before you pay anything.
USD 9.90 a pack when you get it. This prepares your evidence; the card network decides.
Rules checked 2026-09. Sources. Network rules change; if you find this page out of date, tell us and we will correct it.