Visa Reason Code 13.5

The cardholder says the merchant misrepresented the product, service, or terms of the sale.

A gap between marketing claims, pricing, or terms and what the customer actually experienced triggered the complaint.

Your marketing copy, pricing disclosures, and terms acceptance at checkout are the evidence that matters most here.

Marketing/product page as it appeared at purchase, and proof the customer accepted the stated terms at checkout.

Marketing copy that overstates results or terms without clear disclaimers.