Discover Dispute Guide

Your comprehensive guide to reason codes, modifiers, time limits, and compelling evidence for Discover Card transactions.

Discover Reason Codes


Discover uses the four main categories to organize its reason codes: Authorization, Service (Discover’s name for Card Member Disputes), Fraud, and Processing Errors. Discover has just one additional category to classify one reason code: Dispute Compliance.

Code Description Transaction Modifers Category How to Win
UA01 Fraud – Card Present Transaction Site to Store Fraud
UA02 Fraud – Card Not Present Transaction Card Not Present, Site to Store Fraud
UA05 Fraud – Chip Counterfeit Transaction None Fraud
UA06 Fraud – Chip and PIN Transaction None Fraud
AT Authorization Noncompliance None Authorization
IN Invalid Card Number None Processing Errors
LP Late Presentation None Processing Errors
05 Good Faith Investigation None Services
AA Does Not Recognize None Services
AP Recurring Payments None Services
AW Altered Amount None Services
CD Credit/Debit Posted Incorrectly None Services
DP Duplicate Processing None Services
NF Non-Receipt of Cash from ATM None Services
PM Paid by Other Means None Services
RG Non-Receipt of Goods, Services, or Cash Airline Transaction, Card Not Present, Site to Store Services
RM Cardholder Disputes Quality of Goods or Services Card Not Present, Site to Store Services
RN2 Credit Not Processed None Services
DC Dispute Compliance None Dispute Compliance

Discover Time Limits to Respond

Time limits are for the acquiring bank. Merchants will typically be given half the amount of time the acquiring bank is given to accomodate for the time they need to process internally.

Ticket Retrieval Requests
0 days
from the date of ticket Retrieval Requests
Chargebacks
0 days
from the date of chargeback

Discover Transaction Modifiers

A transaction modifier (or modifier) represents specific circumstances associated with a card sale that change what compelling evidence is required to overturn the chargeback.

Airline Transaction

Applies to Reason Codes

How to Respond

  • Respond by providing the following evidence that either shows:
    • The cardholder used the disputed airline ticket
    • The lost ticket application submitted by the cardholder is not valid

Card Not Present

Applies to Reason Codes

How to Respond

  • For Discover reason codes RG and RM, provide any of the following:
    • Cardholder confirmation of registration to receive electronic delivery of goods or services
    • Cardholder’s e-mail or IP address, date and time of download, description of goods downloaded or log documenting the receipt of downloaded material on or after the transaction date
  • For Discover reason code UA02, prove that the items were delivered and that you used the Address Verification Service (AVS) to validate the numeric portion of the cardholder’s billing address, including street address and ZIP code, or that the response to an AVS request indicated that the cardholder’s address is not verified because the card is issued outside of the United States. Or provide any of the following:
    • Cardholder confirmation of registration to receive electronic delivery of goods or services
    • Cardholder’s e-mail or IP address, date and time of download, description of goods downloaded or log documenting the receipt of downloaded material on or after the transaction date

Site to Store

Applies to Reason Codes

How to Respond

  • For all reason codes, provide either:
    • The cardholder’s signature on the pick-up form
    • A copy of the cardholder’s identification presented at the time of pick-up

The Ultimate Dispute Management Resource

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