12.4 Incorrect Account Number
Description of Reason Code
Incorrect Transaction Account Number
Insights from Rules and Regulations
The acquirer processed a PIN-authenticated Visa Debit transaction and one of the following; the adjustment contains either: an incorrect account number or a non-matching account number, the adjustment posted to a "closed" or "non-sufficient funds" account and the adjustment was processed more than 10 days after the transaction date, the adjustment was processed more than 45 days from transaction date, an adjustment was processed more than once for the same transaction, or the cardholder disputes the validity of the adjustment because of the adjustment amount or because the original transaction was cancelled or reversed (US Domestic).
How to Win Reason Code
Provide the original transaction date and the trace number.
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 12.4 Incorrect Account Number.
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.
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