12.7 – Invalid Data

By September 18, 2018Reason Code, Visa

Dispute Condition Code



Why did I get a dispute with Visa reason code 12.7?

You supplied invalid or incorrect data during the authorization process.

How long can the issuer wait to file a dispute with Visa reason code 12.7?

The maximum amount of time that can pass between the transaction processing date and the dispute processing date is 75 calendar days.

What do I need to fight a dispute with Visa reason code 12.7?

  • If the authorization data was valid, provide documentation that proves authorization was obtained using accurate and complete data.
  • If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account.
  • If the cardholder no longer wishes to dispute the transaction, provide documentation that proves the issue has been resolved.

How can I avoid a dispute with Visa reason code 12.7 in the future?

  • Supply all necessary information with each authorization request, including transaction date, MCC, transaction type indicator, country code, and state code.
  • Make sure your correct MCC is used in the authorization request and it matches what will be sent with transaction clearing.

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