Visa Reason Code 13.8

A push-to-card credit/payout was sent but the recipient says they didn't authorize or expect it.

An OCT (original credit transaction, e.g., a payout or refund sent to a card) was disputed by the recipient as unrecognized or unwanted.

Rare for typical e-commerce merchants — mostly relevant if you send payouts or refunds via push-to-card.

Record of what triggered the credit (refund, payout, rebate) and the recipient's account tied to it.

Sending push-to-card credits without a clear, traceable reason tied to a known transaction.