Reason Code P07 – Late Submission

Your chargeback response must include at least one of the following items:

• If the transaction was processed on time, provide documentation that proves the charge is valid.
• If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account.

• Make sure you send completed transactions to your payment processor within the timeframe specified in your merchant agreement. A good practice is to submit transactions on the day of the sale or as soon as possible.