Visa 12.1

Late presentment

The charge was submitted for settlement too long after the authorisation, and the account was no longer good for it. This is a timing code. You need the authorisation date, the settlement date and, if the delay was permitted, the reason.

The evidence this code accepts

1
The authorisation date
The start of the clock.
2
The settlement submission date
The end of the clock.
3
The authorisation code
Ties both dates to one approval.
4
The reason for any delay
A shipped-goods delay is treated differently from an oversight.

Where sellers lose this one

They cannot produce the settlement date, only the order date.

Build the pack for Visa 12.1

4 questions specific to this code, plus the order and the notice. No account. You see the assessment and what is missing before you pay anything.

USD 9.90 a pack when you get it. This prepares your evidence; the card network decides.

Rules checked 2026-09. Sources. Network rules change; if you find this page out of date, tell us and we will correct it.