Visa 13.2 quick reference: Cardholder claims a recurring subscription charge was made after they cancelled. Common on SaaS, streaming, memberships, and gyms. Merchant has 30 days to respond.
Cardholder's claim
"I cancelled this subscription but I was still charged."
Visa 13.2 targets subscription and recurring billing. Merchants win by proving the cancellation request either didn't reach them or was made after the disputed charge posted. Cancellation policy clarity, timestamped communication logs, and post-cancel usage records are the core evidence.
Response deadline
30 days to submit representment. From the chargeback date.
Common triggers
- Cardholder cancelled after the billing cycle started
- Cardholder cancelled a free trial after the conversion window
- Cancellation request never actually submitted (only intended)
- Legitimate merchant failure to honor cancellation
Required evidence
Cancellation policy
Clear terms shown at signup, screenshot with timestamp.
Subscription record
Signup date, all billing dates, and cancellation date (if any).
Usage logs post-billing
Login/access records showing continued use after the disputed charge.
Cancellation confirmation absence
System records showing no cancellation was ever submitted.
Typical win rates
| Scenario | Win rate | Notes |
|---|---|---|
| Clear T&Cs + no cancellation attempt | 70–85% | Well-represented case |
| Ambiguous cancellation UX | 35–55% | Issuers side with cardholder on unclear terms |
| Legitimate merchant failure | Under 15% | Refund rather than fight |
Win rates reflect Aurai's own book across Stripe, PayPal, and Shopify Payments as of July 2026, plus public MRC Global Fraud Survey 2024 baselines. Your results will vary.
Related reason codes
C28Amex
Cancelled Recurring Billing
Amex equivalent of Visa 13.2 — cardholder claims a recurring charge was made after they cancelled.
4853Mastercard
Cardholder Dispute — Various
Mastercard's catch-all cardholder-dispute code, used for cancelled recurring transactions, misrepresentation, and quality disputes.
Frequently asked questions
What does Visa 13.2 mean?
Visa 13.2 is the reason code for "Cancelled Recurring Transaction." Cardholder claims a recurring subscription charge was made after they cancelled. Common on SaaS, streaming, memberships, and gyms.
What's the response deadline for Visa 13.2?
Merchants have 30 days to submit representment. From the chargeback date.
What evidence is required to fight Visa 13.2?
Cancellation policy, Subscription record, Usage logs post-billing, Cancellation confirmation absence. Full detail in the Required evidence section above.
Can Aurai handle Visa 13.2 automatically?
Yes — Aurai detects the reason code, assembles the specific evidence stack for it, and submits before the deadline. 25% only on disputes we win.
Reason code details reflect the current Visa rules as of July 2026 and may change. Visa is a trademark of its respective owner. Aurai is independent and not endorsed by Visa. Always check the current official rules before acting on any specific tactic.