Visa 13.6
Credit not processed
The cardholder says you agreed a refund or credit and it never arrived. This code has a short honest answer: either the refund was issued, and you show it, or it was owed and not issued. If it was owed and not issued, evidence will not change the outcome.
The evidence this code accepts
- 1
The refund or credit status
This single answer decides the code.
- 2
Refund date and amount
The reader has to be able to match it to the original charge.
- 3
The return or cancellation policy and how it was shown
Shows whether a refund was owed at all.
- 4
Whether the goods were returned
A refund is not owed on goods you never got back, if the policy says so.
- 5
Customer messages about the refund
Establishes what you actually promised.
Where sellers lose this one
- The refund was issued as store credit and the policy never said that was an option.
- They dispute a refund they did promise in writing.
Build the pack for Visa 13.6
6 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 Network rules change; if you find this page out of date, tell us and we will correct it.