Reason code

Visa reason code 12.7 is used when a transaction contains invalid, missing, or corrupted data that prevents it from being processed correctly or linked to the cardholder’s account. This can include formatting errors, incorrect merchant information, or missing transaction identifiers.

These disputes often occur when there are issues with payment gateway configuration, POS software glitches, or manual data entry mistakes. Even if the customer authorized the transaction, Visa may initiate a chargeback if required data is missing or incorrect.

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If the data was valid or the error did not affect the legitimacy of the transaction, provide documentation to support that:

• Submit full transaction records, including authorization logs, with all required fields completed
  
  
• Provide processor confirmation or technical logs showing the data was correctly submitted
  
  

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Reduce data-related chargebacks with strong system checks and validation processes:

• Regularly test your payment system for data integrity and compliance with Visa formatting standards
  
  
• Work with your payment processor to ensure all required transaction fields are properly populated
  
  

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