Visa Chargeback Reason Code
Visa Reason Code 13.2: Cancelled Recurring Transaction
Category Recurring PaymentsBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What Visa Reason Code 13.2 Means
Visa reason code 13.2 applies when a cardholder claims a recurring transaction was charged after they cancelled the recurring agreement or withdrew permission to bill.
Why This Chargeback Happens
This dispute commonly occurs when a subscription or recurring charge continues after cancellation, when a cancellation request was not processed, or when the cardholder did not receive required notice of an upcoming charge.
What the Cardholder or Issuer Is Claiming
The cardholder claims the recurring charge occurred after cancellation or after permission to bill was withdrawn.
What Merchants Should Review
Review the recurring billing agreement, the cancellation request and its handling, the billing dates, and any notice sent before the disputed charge.
Recommended Chargeback Evidence
- The recurring billing agreement and its terms
- Records showing no valid cancellation was received before the charge
- Documentation of cancellation policy and notice provided
- Evidence the service was still active and used
How to Prevent Similar Disputes
These disputes may be reduced by processing cancellations promptly, confirming cancellations to customers, sending advance notice of recurring charges, and stopping billing immediately when access ends.
Important Limitations
This page is educational and reflects common industry usage. Visa recurring-billing and dispute rules change over time. Merchants should confirm current requirements with their acquirer or processor.
Related Reason Codes
Sources and Review Information
- Visa: Visa Merchant Dispute Management Guidelines
- Visa: Visa Core Rules and Visa Product and Service Rules
Last reviewed July 17, 2026
Chargeback rules, evidence requirements, and response options may vary by card network, region, processor, and dispute circumstances.