Invalid Data, Condition 12.7

Your card processor has notified you that a cardholder is disputing a transaction that you processed.

An authorization was obtained using invalid or incorrect data.

The common causes for this type of dispute:

  • An authorization request contained an incorrect transaction date, MCC, merchant or transaction type indicator, Country or State Code, Special Condition Indicator, or other required field.

The authorization did not contain invalid data.

Provide the sales records or other documentation to support that the transaction was authorized with valid data.

The authorization was obtained using invalid date.

Accept the dispute.

You have already processed a credit or reversal for the transaction.

Provide documentation of the credit or reversal; include the amount and the date it was processed.

The cardholder no longer disputes the transaction.

Provide a letter or email from the cardholder that states they no longer dispute the transaction.

How to avoid this dispute in the future

  • Ensure that you process all transactions with the proper data.

For more information, please see Dispute Management Guidelines for Visa Merchants.

Acquirer's approach or timelines may be different and you should adhere with your current Acquirer's process. Not all disputes apply to every country/region, please check with your acquirer for further information.