Visa 13.2 — Cancelled Recurring Transaction

What it means

The cardholder claims they cancelled a subscription or recurring billing but were still charged.

Common causes

• Cancellation request not processed before next billing cycle
• Customer unaware of recurring terms at signup
• Account still active in billing system after cancellation

Evidence that helps you win

• Subscription terms accepted at checkout
• Cancellation policy and proof no valid cancellation was received
• Billing history showing ongoing service use after disputed charge
• Records of cancellation effective date if processed correctly