Reason Code 12.4 – Incorrect Account Number

For U.S. domestic transactions, the dispute timeline can be based on one of two start dates. Either the dispute must be processed within 120 calendar days of:

• the transaction processing date, or
• the transaction adjustment date for an ATM cash disbursement or PIN-authenticated debit transaction

For all other transactions, the maximum amount of time that can pass between the transaction processing date and the dispute processing date is 120 calendar days.

• If the transaction was processed to the correct account number, provide documentation that proves the account number on the dispute is the same as the number used for the transaction.
• If the issuer claims the account number isn’t on file, provide documentation that proves the account number was authorized before the transaction was processed.
• If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account.
• If the cardholder no longer wishes to dispute the transaction, provide documentation that proves the issue has been resolved.

• Always request authorization before completing a transaction.
• If an authorization request is denied, stop the transaction and ask for an alternate form of payment.
• Always swipe or dip a card—only use fall-back options in emergency situations.