Visa · 12.1Processing33% industry win rate
Late Presentment
Transaction deposited outside the presentment window.
Required evidence
- Auth date + settlement date
- Cardholder account still active
Playbook
Show account remained open and funds available at deposit date.
Amavest auto-bundles this
When a dispute hits your Stripe account with code 12.1, Amavest pulls the evidence above, drafts the response, and submits it before the deadline.
Related processing codes
Frequently asked questions
- What does Visa chargeback reason code 12.1 mean?
- Transaction deposited outside the presentment window.
- What is the win rate for Visa 12.1 disputes?
- Industry-observed representment win rate for Visa 12.1 (Late Presentment) averages around 33% when the correct evidence is submitted within the network's response window.
- What evidence is required to fight a Visa 12.1 chargeback?
- To dispute Visa 12.1, acquirers typically require: Auth date + settlement date; Cardholder account still active.
- How should a merchant respond to a Visa 12.1 dispute?
- Show account remained open and funds available at deposit date.