Reason Code 12.5 – Incorrect Amount

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 amount is correct, provide documentation that proves the cardholder consented to the payment total.
• 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.

• Unless authorized, never change the amount of a completed transaction without the cardholder’s consent.
• Use caution when entering handwritten transaction information.
• Always swipe or dip a card—only use fall-back options in emergency situations.