Visa 12.1 — Late Presentment

What it means

The transaction was submitted for settlement beyond the allowed timeframe after the authorization or transaction date.

Common causes

• Batch submitted too many days after the sale
• Delayed capture after authorization expired
• Operational backlog causing late settlement

Evidence that helps you win

• Proof of timely presentment within network limits
• Authorization date aligned with transaction date
• Processor timestamps showing submission within window
• Fulfillment date matching the original transaction date