Visa 13.2: Cancelled recurring

The cardholder says a recurring charge continued after cancellation, or that they did not agree to recurring terms. The letter proves the terms were accepted and shows the cancellation record.

What the code alleges

The cardholder says a recurring charge continued after cancellation, or that they did not agree to recurring terms. The letter proves the terms were accepted and shows the cancellation record.

The evidence that answers this accusation

• Cancellation log, with dates and how cancellation was requested
• The terms as accepted at signup, with the date and method of acceptance
• Renewal notices sent before each charge
• Proof the cardholder agreed to the recurring terms
• Any credit issued after cancellation, with its date

For subscription merchants, the cancellation log and the acceptance record are the case. Without them, the letter is an assertion, not evidence.

Fill-in letter outline

Open with the case header and reason code. State when terms were accepted, what notices were sent, and what the cancellation log shows. Attach those records in exhibit order. Close by requesting reversal.

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Representment guidance only. Always follow your acquirer's current filing instructions and the deadline on your processor notice.