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
None
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”
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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.