Reason code · Visa
Visa reason code 13.2: cancelled recurring transaction
Visa 13.2 means the customer says they withdrew permission for a recurring charge, or their account was closed, and the business charged them anyway. The bank has 120 days to file.
Key takeaways
- The subscription code. Memberships, plans and anything billed on a schedule.
- Timing decides it. What matters is when permission was withdrawn compared with when you charged.
- No 15-day safe harbor. Visa has no universal advance-notice rule for cancellations.
What Visa 13.2 means
Visa’s rule: the cardholder withdrew permission to charge their card for a recurring transaction, or the merchant was told before the charge that the account was closed. The dispute is limited to the unused part of the service or goods.
Visa’s rules make a 13.2 invalid for charges the customer started themselves, for unscheduled card-on-file charges, and, from April 18, 2026, when the customer cancelled after the date of the charge.
What the customer told their bank
“I cancelled, and they kept charging me.” The bank must certify the date the customer withdrew permission and how they contacted you, such as the email address or phone number they used.
The time limit
The bank has 120 calendar days from the date the transaction was processed.
Your own deadline is much shorter. Visa gives your bank (the acquirer) 30 calendar days from the dispute to respond. Your processor keeps part of that time, so the due date on your notice is the one that counts.
What kind of proof matters
Dates. When the customer cancelled, when the cancellation took effect, and what they used after that. Visa accepts proof that the customer asked to cancel on a later date and got service until then, or that they kept using the service after they say they cancelled.
The sharp part: your own “30 days’ notice” policy doesn’t create a Visa safe harbor. The test is the cancellation date against the charge date, and use after cancellation.
One common mistake
Billing the next period after a cancellation request that took effect right away. If your terms say cancellation ends service at the end of the period, confirm that end date to the customer in writing when they cancel.
Dispute Daddy builds the response from your notice and your own records, ready for you to review, approve and submit. A flat $99 a month. See pricing.
