Visa Reason Code 13.2

The cardholder cancelled their subscription but was charged again anyway.

A subscription cancellation request wasn't processed in time, or the cancellation wasn't honored before the next billing cycle.

Subscription/recurring-billing merchants are the ones exposed here — proof the subscription was still active is the key defense.

Account record showing no cancellation was received before the billing date, or the terms defining the cancellation cutoff.

Not confirming cancellation requests in writing, or having an unclear/hard-to-find cancellation flow.