VisaConsumer Dispute
Visa Reason Code 13.5
Misrepresentation
What the cardholder claims
"The product or service was misrepresented."
Win rate
30-45%
With proper evidence
Response deadline
120 days
From dispute filing
Required evidence (in priority order)
- 1
product_description - 2
advertising_materials - 3
customer_communication
Response strategy
Show exactly what was advertised at purchase matches what was delivered. Archive listing, ads, and website copy.
Stripe category
product_unacceptableStripe maps this network-level code to this simplified category.
Responding to this chargeback?
Rebutto packages these exact evidence fields into the format Stripe requires. First dispute free on the Shopify App, or $9.99 on the web tool.