Discover uses 2-4 character alphanumeric codes for chargebacks.
Code Categories
Fraud (UA Series)
| Code | Name | Description |
|---|
| UA01 | Fraud - Card Present | Unauthorized CP transaction |
| UA02 | Fraud - Card Not Present | Unauthorized CNP transaction |
| UA05 | Fraud - Chip Card | EMV counterfeit fraud |
| UA06 | Fraud - Chip Card Lost/Stolen | EMV lost/stolen fraud |
| UA10 | Request Transaction Receipt | Receipt request |
| UA11 | Cardholder Claims Fraud | Fraud allegation |
Authorization (AT/AW Series)
| Code | Name | Description |
|---|
| AT | Authorization Non-Compliance | Auth requirements not met |
| AW | Altered Amount | Cleared amount differs |
Processing Errors (DP/IN Series)
| Code | Name | Description |
|---|
| DP | Duplicate Processing | Charged twice |
| IN | Invalid Card Number | Bad card number |
| LP | Late Presentment | Delayed clearing |
| NC | Non-Matching Account Number | Account mismatch |
| PM | Paid by Other Means | Duplicate payment method |
| RN1 | Account Number Discrepancy | Number doesn't match |
| RN2 | Credit Not Posted | Refund missing |
Consumer Disputes (RM/RG/NF Series)
| Code | Name | Description |
|---|
| RM | Quality/Not as Described | Merchandise dispute |
| RG | Non-Receipt of Goods/Services | Not delivered |
| NF | Non-Receipt of Cash from ATM | ATM dispute |
| AP | Cancelled Recurring | Subscription dispute |
| CD | Credit Documentation | Credit dispute |
| CR | Cancelled Reservation | Hotel/travel cancellation |
Response Time Frames
| Stage | Window |
|---|
| Retrieval request | 14 calendar days |
| Chargeback response | 30 calendar days |
| Second chargeback | 30 calendar days |
Retrieval Requests
Discover often sends retrieval requests before chargebacks:
Retrieval Response
When responding to retrieval:
- Provide transaction receipt
- Include all documentation
- Respond within 14 days
ProtectBuy (3D Secure)
Discover's 3DS Program
- Branded as ProtectBuy
- ECI values same as Visa
- Liability shift when authenticated
ECI Values
| ECI | Meaning | Liability |
|---|
| 05 | Fully authenticated | Issuer |
| 06 | Attempted | Reduced merchant |
| 07 | Not authenticated | Merchant |
Documentation Requirements
For Fraud (UA Series)
- ProtectBuy authentication
- AVS/CVV verification
- Delivery confirmation
- Transaction records
For Non-Receipt (RG)
- Tracking number
- Delivery confirmation
- Signature if available
- Shipping address verification
For Recurring (AP)
- Original consent
- Terms and conditions
- Cancellation policy
- Transaction before cancel date
Win Rate Expectations
| Code | With Evidence | Without Evidence |
|---|
| UA02 (ProtectBuy) | 70-85% | - |
| UA02 (no 3DS) | 30-45% | Under 15% |
| RG (delivery proof) | 60-75% | Under 20% |
| AP (consent docs) | 50-65% | Under 20% |
Key Differences
| Factor | Discover | Visa/MC |
|---|
| Code format | 2-4 chars | Numbers |
| Retrieval use | Common | Less common |
| Response time | 30 days | 30-45 days |
| 3DS brand | ProtectBuy | Visa Secure/Identity Check |
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