Reason code

This code is utilized when Discover requests transaction documentation from a merchant. It's a non-financial inquiry aimed at gathering information about a specific transaction, often initiated due to a cardholder's inquiry or dispute. Providing the requested documentation promptly can prevent the situation from escalating into a chargeback.

‍

How to address a retrieval request under reason code 6021 is to provide clear transaction documentation. Submit legible copies of the original sales receipt or transaction record, including details such as the transaction date, amount, description of goods or services provided, and any cardholder verification methods used (e.g., signature, PIN entry).

To minimize the occurrence of chargebacks under reason code 6021:

• Maintain Detailed Transaction Records: Ensure that all transaction records are detailed, accurate, and easily accessible, including customer information and purchase details.​
  
  
• Implement Robust Record-Keeping Practices: Store transaction receipts and related documents securely and in an organized manner to facilitate quick retrieval when needed.​

• ‍Monitor Transactions for Discrepancies: Regularly review transaction records to identify and address any inconsistencies or anomalies promptly.