Visa 13.7
Cancelled merchandise or services
The cardholder cancelled the order or the booking and says they are owed the money back. This code reads the cancellation terms they accepted and the timing. A no-refund term only helps you if the customer was shown it before paying.
The evidence this code accepts
- 1
The cancellation terms the customer agreed to
Terms accepted at checkout are the case; terms published later are not.
- 2
How those terms were shown and accepted
A ticked box at checkout is the strongest form.
- 3
When the cancellation reached you
Timing against the terms decides whether anything is owed.
- 4
Whether the goods or service were already supplied
Supply before cancellation changes what is owed.
- 5
Refund status
A partial refund already issued needs to be on the record.
- 6
Customer messages about the cancellation
The exchange, in full, not a summary.
Where sellers lose this one
- The no-refund term was in the footer, so it is treated as not disclosed.
- They cancelled inside the stated window and the seller responds anyway.
Build the pack for Visa 13.7
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 Network rules change; if you find this page out of date, tell us and we will correct it.