What Visa 13.2 means
Visa 13.2, "Canceled Recurring", is used when the cardholder says they cancelled a subscription, or tried to, and were still charged.
On Stripe the dispute shows the reason Subscription canceled, with 13.2 as the network reason code. It's one of the most common codes for SaaS, memberships and paid newsletters.
Why customers file it
- They thought they had cancelled, but only stopped using the product.
- They forgot about an annual renewal.
- They cancelled through a channel you don't treat as cancellation, such as replying to a marketing email.
What wins it
- Your cancellation policy, the relevant section only, and how the customer agreed to it at checkout.
- Proof there was no cancellation request before the disputed charge, or that it arrived after the renewal date.
- Use of the service after the charge they dispute: logins or activity after the renewal date.
- The renewal reminder or receipt you sent.
If the customer did cancel before the renewal and you charged them anyway, don't fight it: accept or refund, and check your cancellation flow.
Stop the next one
A dispute on a subscription payment usually means the next renewal will be disputed too. Cancel the subscription, or at least stop it renewing, as soon as the dispute arrives.
Every Stripe evidence field and the file limits are in the Stripe dispute evidence guide. For the reason as a whole, see Stripe "Subscription canceled" disputes.
FAQ
Can I win a Visa 13.2 dispute if the customer kept using the product?
Often, yes. Use after the renewal date, together with proof that no cancellation request arrived before it and the cancellation terms they accepted, is strong evidence.
Should I cancel the subscription when a 13.2 dispute arrives?
Usually, yes. The customer clearly wants to stop paying, and the next renewal would likely be disputed too.