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Visa 13.3 not as described: what the bank checks

Visa 13.3 turns on whether what you promised matched what the customer ordered. The product page from the day of purchase usually helps more than photos of the delivered item.

Updated 25 May 2026.

Visa 13.3 (not as described or defective merchandise) is filed when the customer received the goods and says they were not what they expected. The customer's bank checks whether what you promised matched what the customer ordered. Defending the goods with photos and inspection notes misses the point.

The strongest evidence is the product page as it looked on the day of purchase. The customer's past orders of similar items show what they expected. The customer-service history shows whether you answered their concerns. Photos of the delivered item are supporting material.

Save the product page at each order. Most platforms do not. A short script that captures the page at order time gives you the exhibit months later. Keep the customer's past orders and support history linked to the order record. That wins 13.3 disputes that look unwinnable on the goods alone.

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