Visa Chargeback Reason Code 82: Duplicate Processing

Visa chargeback reason code 82, known as “Duplicate Processing,” occurs when a cardholder is charged more than once for the same transaction. This means that the same transaction has been processed multiple times, leading to duplicate charges on the cardholder’s account.

Key Details of Chargeback Reason Code 82: Duplicate Processing

• Definition: This chargeback reason code is used when a cardholder or issuer identifies that a single transaction has been processed multiple times, resulting in duplicate charges.
• Indicators: The transaction amount, date, and merchant location (or merchant descriptor) are typically the same for the duplicate charges.

Common Causes

1. Human Error: The cashier or merchant accidentally processes the same transaction more than once.
2. System Error: Technical issues with the payment processing system that cause the same transaction to be submitted multiple times.
3. Miscommunication: Errors in communication between the point-of-sale system and the payment processor.

Resolution Time Frame

• For Cardholders: Cardholders usually have up to 120 days from the transaction processing date to file a chargeback dispute for duplicate processing.
• For Merchants: Once a chargeback is received, merchants typically have up to 30 days to respond with evidence to refute the chargeback.

Preventing or Mitigating Chargeback Reason Code 82

To avoid or mitigate the risk of chargebacks due to duplicate processing, merchants can implement the following practices:

1. Regular Audits: Conduct regular audits of transactions to identify and correct any duplicate entries.
2. Employee Training: Train staff to handle transactions correctly and to check for duplicates before processing.
3. System Checks: Implement checks in the payment processing system to detect and prevent duplicate transactions.
4. Prompt Reconciliation: Reconcile transactions promptly to identify and address any duplicates.
5. Clear Communication: Ensure clear and accurate communication between point-of-sale systems and payment processors to prevent technical errors.