Conditions

An issuer may initiate a dispute under Dispute Condition 12.6: Duplicate Processing/Paid by Other Means for the following reason:

One of the following:

A single transaction was processed more than once using the same account number.
Cardholder paid for the same merchandise or service by other means.
For an ATM transaction, a shared deposit adjustment was processed more than once.

Time Limit

120 calendar days from the Transaction Processing Date

For Duplicate Processing:

Certification of the date and Acquirer Reference Number of the valid Transaction
For a Shared Deposit Adjustment, certification of the first Adjustment date and amount

For Transactions that were paid by other means all of the following, as applicable:

Certification that the Cardholder attempted to resolve the dispute with the Merchant, unless prohibited by applicable laws or regulations
Evidence that the Merchant received payment by other means, including:
- The Acquirer Reference Number or other Transaction information, if paid by a Visa Card
- A statement, if paid by another card
- A cash receipt
- A copy of the front and back of a cancelled check
If the Merchant billed the Cardholder because the Merchant was unable to collect payment for a voucher received from a third party, evidence that the Merchant accepted the voucher for payment for the merchandise or service (for example: a rental contract showing that the voucher was accepted by the Merchant)