Reason Code 12.6.2Paid by Other Means

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Dispute

Card Issuer

Visa

Reason Code

12.6.2

Category

Processing Error

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.
Visa Merchant Official Documentation
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