Visa 13.3 — Not as Described or Defective

What it means

The cardholder claims merchandise or services did not match the description or were defective.

Common causes

• Product quality or condition below what was advertised
• Wrong item shipped versus what was ordered
• Customer expected different features or specifications

Evidence that helps you win

• Product listing, photos, and description at time of purchase
• Return policy and proof customer did not return the item
• Quality inspection or supplier documentation
• Communication attempting resolution before the dispute