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credit card mocks 01 16

Visa Reason Code 12.6.2 Paid by Other Means

Disputeโ€‹

Visa

Card Issuer Name

12.6.2

Reason Code

Processing Error

Category

Claim

The cardholder claims that they made payments by other means, i.e., check, cash, or another card.

Cause

The cardholder initially gives the merchant a Visa card for the payment but changes their mind and uses a check, cash, or another card to make the payment.

Response

Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant.
Merchants have 20 days to respond to the claim in dispute.

Steps to Prevention

  • If a customer makes the payment using other methods, credit the processed Visa card transaction.
  • Train your sales team on how to handle credits.
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