Visa 13.2: Cancelled Recurring Transaction

What this code means

A recurring charge is disputed on the basis that the cardholder had already cancelled, or had asked you to stop billing.

The decisive question is nearly always the order of two timestamps: when the cancellation was requested, and when the charge was raised.

Evidence commonly relevant

• Cancellation log with timestampsSystem records showing whether a cancellation was received, and when, relative to the billing date.
• The subscription terms accepted at signupIncluding the renewal cadence, notice period, and how to cancel.
• Evidence of the renewal noticeWhere you notify customers before charging, showing the notice was sent and to which address.
• Usage after the disputed chargeContinued use of the service after the renewal weakens a claim that it was unwanted.
• Support correspondenceAny exchange in which cancellation was discussed, granted, or refused.

Where these cases commonly fall down

• A cancellation route that is hard to find or requires contacting support, which invites the argument that cancelling was obstructed.
• No pre-renewal notification, which is increasingly expected and in some markets required.
• Ambiguous timestamps, particularly across time zones, when the cancellation and the charge fall within hours of each other.
• Free trials that convert without a clear reminder, which are disputed more often than any other subscription pattern.

Response considerations

• Establish the two timestamps first and state them plainly. If the cancellation genuinely preceded the charge, refunding may cost less than contesting.
• Where usage continued after the charge, that is usually the strongest single fact available.
• Repeated 13.2 disputes usually point at a cancellation flow problem rather than a dispute-handling problem.

How ChargebackDossier handles this code

Selecting Visa 13.2 on a case loads the response strategy and the evidence types associated with it, and sets a response deadline from the representment window. As you upload documents they are filed into the twelve evidence categories the dossier is indexed by, and the case strength score reports which of the expected evidence types are still missing for this specific code.

When the file is ready, the case review reads what you have actually uploaded and writes back the gaps, and the response letter is drafted around those exhibits by name. Both export as PDFs alongside the indexed evidence dossier.