Visa Reason Code 12.2

The transaction was coded as the wrong type (e.g., a credit coded as a purchase, or vice versa).

A transaction-type coding error at the point of sale or in your payment integration mislabeled the transaction.

Usually a gateway/integration bug — worth checking with your payment provider if you see more than one of these.

Your system's record of the transaction type actually intended and processed.

Not validating transaction-type codes in your payment integration after a gateway update.