Each Discover reason code represents a specific dispute category raised by cardholders. Understanding these codes helps merchants identify dispute trends, reduce risk exposure, and take proactive steps to prevent revenue loss from chargebacks.
25 Active Codes
65% Success Rate
Up to 85%
Complete reference guide for chargeback reason codes
| Code | Description | How To Win |
|---|---|---|
| AA | Cardholder Does Not Recognize | |
| AL | Airline Transaction Dispute | |
| CA | Cash Advance Dispute | |
| CD | Credit Posted as Card Sale | |
| DA | Declined Authorization | |
| DP | Duplicate Processing | |
| EX | Expired Card | |
| IC | Illegible Sales Data | |
| IN | Invalid Card Number | |
| LP | Late Presentment | |
| N | Discover Network ATM Transaction – No Funds Dispensed | |
| NA | No Authorization | |
| NC | Not Classified | |
| P | Discover Network ATM Transaction – Partial Funds Dispensed | |
| RG | Non-Receipt of Goods or Services | |
| RM | Cardholder Disputes Quality of Goods or Services | |
| RN2 Or RN | Non-Receipt of Credit | |
| UA01 | No Authorization | |
| UA02 | Declined Authorization | |
| UA10 | Request Transaction Receipt for Swiped Card Transaction | |
| UA11 | Swiped Card Transaction – No Cardholder Signature Obtained | |
| UA12 | Swiped Card Transaction – Invalid Signature | |
| UA18 | Swiped Card Transaction – Illegible Transaction Documentation | |
| UA20 | Request Transaction Documentation for Keyed Card Transaction. | |
| UA30 | Request Transaction Documentation for Card Not Present Card Transaction |
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To answer common concerns and reduce hesitation from potential users.
Discover Reason Codes are numeric identifiers that explain why a transaction was disputed or charged back on a Discover card.
They help you identify the dispute cause so you can respond correctly and prevent similar future chargebacks.
Yes — each chargeback from Discover comes with a specific reason code indicating the dispute category.
Yes — knowing the exact code lets you tailor evidence and increase your chances of winning representment.
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