Visa reason code
Visa reason code 12.1: Late Presentment
The transaction was settled outside the allowed timeframe.
Network: VisaCategory: Processing ErrorResponse window: ~30 days
What Visa 12.1 means
Visa 12.1 is late presentment: the transaction was submitted for settlement outside the allowed timeframe after authorization.
When issuers use it
An issuer files 12.1 when a charge is settled too long after the sale, so the cardholder no longer recognises or expects it.
Mistakes that lose this dispute
- Settling transactions long after the sale
- Holding authorizations past their validity
FAQ
Frequently asked questions
What is late presentment?
The transaction was submitted for settlement too long after it was authorized. Settle promptly and keep the dates if you need to represent.
How do I avoid it?
Capture and settle within the network's timeframe, usually within a few days of authorization.