Reason Code 12.7 – Invalid Data

The maximum amount of time that can pass between the transaction processing date and the dispute processing date is 75 calendar days.

• If the authorization data was valid, provide documentation that proves authorization was obtained using accurate and complete data.
• 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.

• Supply all necessary information with each authorization request, including transaction date, MCC, transaction type indicator, country code, and state code.
• Make sure your correct MCC is used in the authorization request and it matches what will be sent with transaction clearing.