Visa chargeback reason code 12.6.1: Duplicate Processing, happens when a cardholder is charged multiple times for the same transaction. Here are the key aspects of this chargeback reason code:
Causes
- Merchant Error: The merchant accidentally processes the same transaction more than once.
- System Error: Technical issues or system glitches result in duplicate transactions.
- Manual Error: Staff may unintentionally run the same transaction multiple times.
Resolution Time Frame
- For Consumers: Cardholders typically have 120 days from the transaction processing date to file a chargeback.
- For Merchants: Merchants generally have 30 days to respond to the chargeback once it has been initiated.
Prevention and Mitigation
To prevent or mitigate chargebacks due to duplicate processing, merchants can take the following steps:
- Audit Transactions: Regularly review transaction logs to identify and correct duplicate charges before they reach the cardholder.
- Use Reliable Payment Systems: Ensure that your payment processing system is reliable and up-to-date to minimize technical errors.
- Train Staff: Provide thorough training for employees on the correct procedures for processing transactions.
- Customer Communication: Notify customers immediately if a duplicate transaction is identified and provide a quick refund or adjustment.
- System Controls: Implement system controls that flag potential duplicate transactions for review before they are finalized.
