Reason Code 12.7Invalid Data

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Dispute

Card Issuer

Visa

Reason Code

12.7

Category

Processing Error

Claim

The merchant obtained authorization using incorrect or invalid data.

Cause

The merchant sends an authorization request containing an incorrect MCC, transaction date, transaction or merchant type indicator, Special Condition Indicator, State or Country Code, or any other data.

Response

Cardholders and issuers have 75 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

Double-check every field to ensure transactions are processed with the correct data.

Visa Merchant Official Documentation
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