Does a no-refund or return policy stop chargebacks?

Where the policy doesn't decide

• Visa 13.3 Not as Described or Defective: your return policy alone does not decide it. What helps is the product page, photos and specifications the customer saw, and proof the item was never returned.
• Visa 13.4 Counterfeit and 13.5 Misrepresentation: return policies don't apply.

Where it helps

• Visa 13.7 Cancelled Merchandise/Services: a limited return or cancellation policy that was properly disclosed and accepted at checkout, which the cardholder didn't follow, is the core of the response.
• Visa 13.6 Credit Not Processed: if the return didn't qualify under a disclosed policy, show the policy and the return record.

Make the policy count

• Show it at checkout and keep proof the customer saw or accepted it.
• Keep the version that was live when the order was placed.
• State refund timing clearly.

Verdikx saves the policies shown at the time with each order, so the packet reflects what the customer actually saw.

Reason codes this answer covers

• Visa 13.3: Not as Described or Defective Merchandise/Services: sometimes winnable
• Visa 13.4: Counterfeit Merchandise: rarely winnable
• Visa 13.5: Misrepresentation: sometimes winnable
• Visa 13.6: Credit Not Processed: often winnable
• Visa 13.7: Cancelled Merchandise/Services: sometimes winnable