VisaConsumer Dispute
Visa Reason Code 13.9
Non-Receipt of Cash or Load Transaction Value
What the cardholder claims
"ATM/prepaid card load was not received."
Win rate
30-50%
With proper evidence
Response deadline
120 days
From dispute filing
Required evidence (in priority order)
- 1
receipt - 2
service_documentation
Response strategy
Provide ATM logs, load confirmation, or system records showing funds were disbursed/loaded.
Stripe category
generalStripe 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.