Reason code

Visa reason code 12.3 is used when a transaction is processed in a currency that differs from what was agreed upon with the cardholder. This can lead to confusion, unexpected fees, and disputes—especially in international or cross-border sales where the customer expected to be charged in their local currency.

These disputes often arise from unclear checkout flows, misconfigured terminals, or a failure to confirm the billing currency during the transaction. Even if the product or service was delivered, charging in the wrong currency can result in a chargeback.

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If the correct currency was used or clearly disclosed, submit evidence showing the cardholder was informed and agreed:

• Provide a screenshot or copy of the checkout page showing the currency selection

• Include receipts or confirmation emails that reflect the agreed-upon currency

Ensure currency clarity to avoid these disputes:

• Clearly display and confirm the billing currency before completing the transaction
  
  
• Use payment gateways and POS systems that correctly process multi-currency transactions
  
  

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