Visa 12.3
Incorrect currency
The cardholder says they were charged in a currency they did not agree to, or that a currency conversion was applied without a choice. The evidence is the checkout record showing the currency the customer saw and accepted.
The evidence this code accepts
- 1
The currency shown at checkout
The currency the customer accepted is the currency you may settle in.
- 2
The amount and currency settled
The comparison the reader makes.
- 3
The order confirmation as sent
Independent record of what the customer agreed.
- 4
Where the currency choice was offered
A conversion needs an explicit choice, not a default.
Where sellers lose this one
- The store converted at its own rate with no disclosure at checkout.
Build the pack for Visa 12.3
3 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 Network rules change; if you find this page out of date, tell us and we will correct it.