What the cardholder is claiming
“I already paid for this another way.”
Show that no other payment was received for this order, or that the other payment was for something else.
Evidence that wins a Visa 12.6.2 chargeback
Start with the required items — they answer the claim directly. Recommended items make a borderline case stronger.
No other payment for this purchase Required
Shows the other payment the cardholder mentions was for something else, or never received.
Separate orders Recommended
Each payment matches its own order.
Correspondence Recommended
Anything about how the order was paid.
How to respond to a Visa 12.6.2 dispute
- 1
Check the due date in your processor’s dispute dashboard. Responses that arrive late lose, however strong they are.
- 2
Collect the required evidence: no other payment for this purchase.
- 3
Add what strengthens the case: separate orders, correspondence.
- 4
Write a short response that answers the cardholder’s claim point by point, and cite the exact document and page behind each point.
- 5
Combine it into one clean package and submit it through your processor’s dispute portal.
Why Visa 12.6.2 chargebacks happen
- The customer paid at pickup or by bank transfer as well as by card.
- An invoice was paid twice through different channels.
- A gift card, voucher or store credit should have covered the purchase.
How to prevent them
- Reconcile payments across every channel before charging a card on file.
- Void or refund the card charge as soon as another payment arrives.
- Show the payment method on every receipt.
Visa 12.6.2 chargeback FAQ
- What does Visa reason code 12.6.2 mean?
- Paid by Other Means. The cardholder says they paid for this purchase another way — cash, another card, a bank transfer or a voucher — so the card charge shouldn’t exist.
- What evidence do I need to win a Visa 12.6.2 chargeback?
- Required: no other payment for this purchase. Also strengthens your case: separate orders, correspondence.
- How do I respond to a Visa 12.6.2 chargeback?
- Gather the evidence above, write a response that answers the cardholder’s claim point by point and ties each point to a document, and submit it through your processor’s dispute portal before the due date shown there. Chargeback Warden checks your evidence against the Visa 12.6.2 checklist and drafts the cited response for you to approve.