Servizi di catering

To defend against 'services not as described' (Visa Reason Code 13.

3, Mastercard 4853), caterers should provide comprehensive evidence such as signed contracts detailing menu, quantity, and service expectations; client communications (emails, messages) confirming agreements; testimonials or positive feedback from the event; and, if available, photographs or video of the actual food and service provided.

Any amendments or special requests should be documented in writing. Proof of a tasting session or client approval of sample menus can also strengthen a defence.

Chargeback liability for cancellations (Visa Reason Code 13. 4, Mastercard 23.

3) hinges on the merchant's cancellation policy, which must be clearly disclosed at the time of booking.

If the client disputes a non-refunded deposit after cancelling, the caterer must prove the policy was accepted and that it complies with local consumer protection laws regarding reasonable cancellation fees.

If the caterer cancels, they are typically liable for 'services not rendered' unless extenuating circumstances are covered in a force majeure clause, and a full refund was not issued.

From a scheme perspective, deposits and final payments are generally treated as parts of the same service transaction. However, the timing of the dispute window can differ slightly.

For deposits, the window might open from the deposit date, while for 'services not rendered,' it often opens from the event date or when the service was expected.

Merchants must clearly label deposits as non-refundable (if applicable) and ensure this policy is acknowledged by the customer. Failure to deliver the event after taking a deposit would almost certainly lead to a 'services not rendered' chargeback.