Visa · 12.3Processing44% industry win rate
Incorrect Currency
Cardholder charged in wrong currency or incorrect amount.
Required evidence
- Receipt showing agreed currency + amount
- Checkout screenshot with currency displayed
Playbook
Show the currency was clearly displayed at checkout before the customer confirmed.
Amavest auto-bundles this
When a dispute hits your Stripe account with code 12.3, 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 12.3 mean?
- Cardholder charged in wrong currency or incorrect amount.
- What is the win rate for Visa 12.3 disputes?
- Industry-observed representment win rate for Visa 12.3 (Incorrect Currency) averages around 44% when the correct evidence is submitted within the network's response window.
- What evidence is required to fight a Visa 12.3 chargeback?
- To dispute Visa 12.3, acquirers typically require: Receipt showing agreed currency + amount; Checkout screenshot with currency displayed.
- How should a merchant respond to a Visa 12.3 dispute?
- Show the currency was clearly displayed at checkout before the customer confirmed.