Visa reason code 13.2
Visa 13.2: Cancelled Recurring Transaction
What the cardholder is claiming
The cardholder says they cancelled the subscription but were billed anyway.
The evidence that actually wins
Bank analysts skim responses in minutes against a checklist for this exact code. Lead with the strongest fact; never make them dig.
- ✓Your cancellation records showing no cancellation occurred before the billing date
- ✓Proof of the subscription terms the customer accepted at signup (what they agreed to, when it renews)
- ✓Usage of the service after the alleged cancellation date
- ✓Your cancellation flow records: if they cancelled after the billing date, show the timestamps
The honest read
Winnable when your cancellation timestamps are clean and the signup terms were explicit. If the customer actually tried to cancel and your flow failed them, refund and fix the flow; issuers side with cardholders on recurring billing friction, and repeat 13.2s attract network scrutiny.
Nobody can promise you a win; the cardholder's bank decides. What you control is submitting the strongest complete case your records support, on time. Our plain-language guarantees say exactly what that means.
Fighting a 13.2 right now?
Send us the dispute and a person builds the complete, submission-ready response: the narrative mapped to 13.2, your evidence compiled and ordered, and the field-by-field walkthrough. 24-hour rush available. If our review says yours isn't worth fighting, we tell you for free.