Visa 12.1: Late Presentment
Issuer filing window
120 days from transaction date
Merchant response window
30 days
Merchant submitted the transaction for clearing more than 30 days after authorization. Issuer can chargeback automatically, defense is essentially impossible if the timing is verified.
Playbook note: There is no defense for a genuine late presentment. The fix is operational, ensure batch-clearing happens within 24 hours of authorization.
Compelling evidence for 12.1
- Documentation that presentment occurred within the required window (rare)
Visa 12.1 questions.
How long do I have to respond to a Visa 12.1 chargeback?
30 days from notification. Missing the response window normally forfeits the dispute, whatever the merits of your case.
How long can the issuer wait before filing 12.1?
The issuer filing window for 12.1 is 120 days from transaction date.
How hard is 12.1 to defend?
Defense difficulty for this code is rated Weak in our catalogue. There is no defense for a genuine late presentment. The fix is operational, ensure batch-clearing happens within 24 hours of authorization.