Reason code

Visa reason code 13.2 is used when a cardholder is charged after they canceled a recurring billing agreement, such as a subscription, membership, or automated payment plan. If the merchant continues to bill after the cancellation date, Visa allows the cardholder to dispute the charge.

These disputes typically result from delayed cancellations, miscommunications, or system errors. Even if the cardholder benefited from the service, failure to honor the cancellation can result in a chargeback.

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If the recurring agreement was still active or cancellation occurred after the charge, provide supporting documentation:

• Submit the recurring billing agreement and your cancellation policy

• Include account records showing the charge date, cancellation request, and customer acknowledgement

Manage recurring billing accounts proactively and confirm cancellations in writing:

• Send reminders before recurring charges and make it easy to cancel

• Stop billing immediately upon cancellation and notify the customer of account status