Late Presentment, Condition 12.1

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

The transaction was completed past the required time limits.

You believe the transaction was completed within the time limit.
Provide a copy of the receipt to support the transaction date.

The transaction was completed later than the specified time limit.
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

Send completed transactions to your card processor as soon as possible, preferably on the day of the sale or within the timeframe specified in your merchant agreement.

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.