12.7 – Invalid Data


Dispute Code

12.7

Category

Processing
Errors

DESCRIPTION

Why did I receive this dispute?

You supplied invalid or incorrect data during the authorization process.


TIME LIMIT

How long can the issuer wait to file a dispute?

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


FIGHT

What compelling evidence is needed to respond?

  • 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.

PREVENT

How can I avoid this dispute in the future?

  • 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.

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