Visa 13.9
Non-receipt of cash or load transaction value
Visa 13.9 applies where a cardholder did not receive cash or the loaded value at an ATM or a load transaction.
We do not cover this code
This code covers cash access and prepaid load transactions. It does not apply to online retail sales, and we have no evidence rules for it.
Reply to your processor directly with what it asks for. We would rather say that than sell you a document that cannot help.
See the codes we do coverRules checked 2026-09. Sources. Network rules change; if you find this page out of date, tell us and we will correct it.