Visa 13.2
Cancelled recurring transaction
The cardholder says a repeating charge continued after they cancelled, or that they never agreed to it. This code reads the consent record and the cancellation record. You need the dated wording the customer accepted, and evidence that no cancellation reached you before this charge.
The evidence this code accepts
- 1
How the customer agreed to the recurring charge
The consent record is the whole case on this code.
- 2
The date consent was given
Undated consent is treated as no consent.
- 3
Whether a cancellation request reached you
One request before the charge date ends the dispute.
- 4
The cancellation terms shown to the customer
Shows what notice period, if any, applied.
- 5
Customer messages about cancelling
The reader wants the exchange, not your description of it.
- 6
Proof the service was still available
Shows the charge bought something the customer could use.
Where sellers lose this one
- They cannot show when consent was given, only that the customer once subscribed.
- A cancellation email exists in their inbox and they hope the issuer will not look.
- They send terms from a page the customer never saw at signup.
Build the pack for Visa 13.2
6 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 Network rules change; if you find this page out of date, tell us and we will correct it.