Visa reason code 13.2:
Cancelled Recurring Transaction

What Visa 13.2 means

The cardholder withdrew permission to charge their card for a recurring transaction, or the merchant or acquirer was told before the charge that the account was closed. The dispute amount is limited to the unused portion of the service.

Common causes

• Cancellation requests by email or chat that were never actioned
• Hard-to-find cancellation flows
• Free trials converting to paid plans without a clear reminder
• Customers forgetting an annual renewal

Evidence that answers it

• Subscription history showing the start date, terms accepted and no cancellation before the disputed charge
• Logs showing the customer used the service after the claimed cancellation and before the dispute
• The cancellation policy shown at sign-up
• Renewal reminder emails sent before the charge

How to prevent it

• Make cancellation easy and confirm it in writing with the effective date
• Send reminders before trials convert and before annual renewals
• Stop billing immediately when a cancellation request arrives through any channel
• Use a descriptor customers recognize

Time limits and caveats

Collaboration workflow. Issuer time limit: 120 calendar days from the transaction processing date. Invalid for installment transactions (outside Europe), unscheduled credential-on-file and cardholder-initiated transactions, and claims that the charge was fraud. Effective for disputes processed on or after 18 April 2026, a dispute is invalid when the cancellation came after the transaction date.

How Verdikx helps with 13.2

Verdikx's subscription playbook for 13.2 pulls subscription start, renewal and cancellation dates from Recharge, Skio, Bold, Recurly or Chargebee (all beta) and checks whether any cancellation preceded the charge. Helpdesk conversations (beta) show whether a cancellation request was sent by email or chat. You review the AI draft before submitting.