12.1 Late Presentment

Alex Forbess3 Comments

12.1 Late Presentment

Description of Reason Code

Late Presentment

Insights from Rules and Regulations

The transaction was not processed within the required time limit and the account number was not in good standing on the chargeback processing date. OR The transaction date is more than 180 calendar days before the processing date.

How to Win Reason Code

Respond by providing the transaction receipt or other documentation with a transaction date that disproves late presentment.

Transaction Modifiers applicable to Reason Code


Additional Information About Reason Code

Reason code is categorized: Point-of-Interaction Error, Visa

Use the Chargeback App to respond to 12.1 Late Presentment.

The Chargeback App determines acceptable evidence based on network rules and can automatically gather the evidence needed to win by integrating to your payment services and sales platform.


3 Comments on “12.1 Late Presentment”

  1. Pingback: Visa Claims Resolution (VCR): What Retailers Should Know | Chargeback

  2. Pingback: Visa Chargeback Time Limits | Chargeback

  3. Does a merchant have any chance to win a chargeback dispute if the transaction was processed 5 months after the credit card was initially authorized if chargeback reason code 12.1 (Presentment) is claimed by issuing bank? Merchant has full set of documentation for the original sale transaction (electronic receipt), description of products sold, signature and etc. The late presentment was caused by an inadvertent removal of an auto batch setting on the Clover POS system. The POS setting change may have been caused by a power outage. Please advise on a chargeback rebuttal strategy.

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