Visa 13.2
Cancelled Recurring
Category: Consumer Disputes Workflow: Collaboration
Merchant response window
30 days
Workflow
Collaboration
What triggers it
Transaction charged after the cardholder cancelled a recurring arrangement. High volume for SaaS and subscription operators.
What to check first — evidence for representment
Cancellation timestamps, retention save attempts, and policy ToS are the defense surface.
Confidence: high.
Sourced from PaymentBrief's Visa reference article. Reason-code definitions and timelines change — verify against your scheme documentation or acquirer portal before acting.
Full reference
Visa Reason Codes: The Complete VCR Map