Visa 12.5
Incorrect amount
The cardholder says the amount settled is not the amount they agreed. This code reads two numbers and the record that sets them: what the customer accepted at checkout, and what you submitted. If the two differ and you cannot explain the difference by a term the customer accepted, the dispute is correct.
The evidence this code accepts
- 1
Amount authorised
The number the customer agreed to.
- 2
Amount actually charged
The number in dispute.
- 3
The order record showing the agreed total
The receipt or order confirmation, exactly as sent.
- 4
The terms covering any addition
Shipping, tax or a fee needs a term the customer saw.
- 5
Customer messages agreeing to a change
A written agreement to a new total settles this quickly.
Where sellers lose this one
- A shipping charge was added after checkout with nothing disclosing it.
- They explain the difference in prose instead of showing the two numbers.
Build the pack for Visa 12.5
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 Network rules change; if you find this page out of date, tell us and we will correct it.