Visa reason code
Visa reason code 13.2: Cancelled Recurring Transaction
A subscription or recurring charge the cardholder says should have stopped.
What Visa 13.2 means
Visa 13.2 covers a recurring or subscription charge the cardholder says should have stopped. It applies when a client claims they cancelled, or were billed after cancelling, a repeating payment.
When issuers use it
Issuers use 13.2 when a cardholder disputes a renewal they believe they had cancelled, or one they say they never authorised to recur.
Mistakes that lose this dispute
- Billing after a valid cancellation was received
- Having no clear, accepted cancellation policy
- Making cancellation hard, which issuers treat unfavourably
FAQ
Frequently asked questions
The customer says they cancelled. Can I still win?
Only if the billed period was before the cancellation took effect, or no valid cancellation was received. Show your cancellation terms and the records of when, or whether, the client cancelled.
How do I prevent recurring chargebacks?
Disclose the billing schedule clearly, send a reminder before each charge, and make cancellation simple. A clean, accepted cancellation policy is your strongest defence.