Visa 12.2 — Incorrect Transaction Code

What it means

The wrong transaction type was used — for example, a credit processed as a debit, or a card-present code used for card-not-present.

Common causes

• Wrong POS transaction type selected
• Refund coded incorrectly as a sale
• MOTO/ecommerce flag missing on a phone or web order

Evidence that helps you win

• Correct transaction receipt showing proper transaction code
• Processor logs with accurate MOTO/ecommerce indicators
• Order channel proof (online checkout vs in-store)
• Documentation matching the intended transaction type