VisaConsumer Dispute
Visa Reason Code 13.8
Original Credit Not Received
What the cardholder claims
"Cardholder never received a merchant-initiated credit."
Win rate
30-40%
With proper evidence
Response deadline
120 days
From dispute filing
Required evidence (in priority order)
- 1
refund_documentation
Response strategy
Provide processor proof the refund credit was actually initiated and sent to the issuer.
Stripe category
credit_not_processedStripe 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.