Visa Reason Code 13.3

The cardholder says what they received doesn't match what was advertised, or arrived defective.

A quality, accuracy, or condition mismatch between the product listing and what actually arrived.

Product photos, listing copy, and any customer communication about the issue become your central evidence.

Original product listing/description, photos of the item as sold, and any support correspondence about the complaint.

Not keeping a dated snapshot of the product listing as it appeared at time of sale.