Visa 13.2: Cancelled Recurring Transaction
Issuer filing window
120 days from cancellation date (up to 540 days)
Merchant response window
30 days
Cardholder claims a recurring transaction (subscription, membership) was billed after they cancelled. Most common in subscription businesses with poor cancellation UX.
Playbook note: Visa and Mastercard subscription rules require a clear, easily-accessible cancellation flow. A poor cancellation UX is the leading cause of 13.2 disputes.
Compelling evidence for 13.2
- Cancellation policy disclosed at signup
- Cardholder cancellation request log
- Confirmation that no cancellation was received before the disputed billing date
- Receipts of prior accepted recurring charges
Visa 13.2 questions.
How long do I have to respond to a Visa 13.2 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 13.2?
The issuer filing window for 13.2 is 120 days from cancellation date (up to 540 days).
How hard is 13.2 to defend?
Defense difficulty for this code is rated Mixed in our catalogue. Visa and Mastercard subscription rules require a clear, easily-accessible cancellation flow. A poor cancellation UX is the leading cause of 13.2 disputes.