Processing Errors
12.6.2 Paid by Other Means
Details
Visa reason code 12.6.2 is used when a cardholder claims they were charged on their Visa card even though they paid using a different method—such as cash, check, another card, or store credit. This type of dispute usually arises from confusion at the point of sale, manual processing errors, or a miscommunication about the payment method used.
It’s possible the cardholder attempted to pay with another method but the transaction didn’t go through, or the Visa card was charged by default. Merchants who can show that no alternate payment was received—and that the Visa transaction was valid—may be able to successfully challenge the chargeback.
Timing to raise the dispute (Issuer/Cardholder)
Timing to respond to the dispute (Acquirer/Merchant)
How to respond?
If the Visa card was the only method of payment used, submit evidence to support that claim:
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Provide signed receipts, payment logs, or POS records showing the Visa card was used
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Include confirmation that no cash, check, or alternate card payment was recorded
How to prevent?
Avoid this dispute by clearly confirming the payment method at checkout:
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Train staff to double-check which card or method is selected before completing the charge
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Always provide itemized receipts that clearly show the payment type used