Visa 12.3 — Incorrect Currency

What it means

The transaction was processed in a currency different from what was agreed or required for the cardholder's account.

Common causes

• Dynamic currency conversion applied without consent
• Wrong currency selected at checkout or terminal
• Settlement currency mismatch with authorization

Evidence that helps you win

• Checkout or receipt showing currency the customer agreed to
• Authorization record in the correct currency
• Terms displayed at purchase confirming currency
• Processor logs matching auth and capture currency