What Visa 12.6.2 means
The cardholder claims the merchandise or service was paid for by other means, or with the same card but with discrepancies in date or amount, so the Visa charge should not stand.
Common causes
- Customer switched to another payment method after the card was already charged
- A failed checkout retried with a different card while the first charge also settled
- Deposits or partial payments not linked to the final invoice
Evidence that answers it
- Payment records showing the Visa card was the only payment for the order
- Records showing the other payment was for different merchandise or services
- Proof of a credit or reversal
How to prevent it
- Void the card charge immediately if the customer pays another way
- Link deposits and balance payments to the same order
- Check for open card charges before accepting an alternative payment
Time limits and caveats
Collaboration workflow. Issuer time limit: 120 calendar days from the transaction processing date.
How Verdikx helps with 12.6.2
Verdikx has a dedicated paid-by-other-means playbook for 12.6.2: it requires the order with its single payment and evidence that no second payment exists, and tells you not to contest if a second payment was in fact received. You review the AI draft before submitting.
Frequently asked questions
What does Visa reason code 12.6.2 mean?
Visa 12.6.2 means the cardholder says they paid for the same purchase another way, such as cash, another card, store credit or PayPal. Win by showing no other payment was received for that order, or that the other payment covered a different purchase. If two payments landed, refund one and accept.
Is Visa 12.6.2 worth fighting?
Our reference rates 12.6.2 (Paid by Other Means) sometimes winnable, depending on the evidence you have. The evidence that answers it starts with payment records showing the Visa card was the only payment for the order. The cardholder's bank decides the outcome.
How long does a cardholder have to file a Visa 12.6.2 chargeback?
Usually 120 days from the transaction date, under the network's issuer time limits. Your processor gives you far less time to respond, so work from the due date on the case.
Answer your next 12.6.2 with the right evidence.
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Sources
- Visa Core Rules and Visa Product and Service Rules (18 April 2026), Chapter 11 Dispute Resolution (checked October 5, 2026)
- Visa: Dispute Management Guidelines for Visa Merchants (June 2024) (checked October 5, 2026)
- Stripe Docs: Dispute reason codes (checked October 5, 2026)
Last reviewed by Verdikx Research.