Reason code

This code is used when a transaction is disputed due to non-compliance with Discover's operating regulations. Such violations can encompass a range of issues, including but not limited to:

• Processing a transaction without obtaining proper authorization.​
• Failing to adhere to security protocols.
• Engaging in prohibited merchant activities.

The specific nature of the violation will dictate the appropriate response and preventive measures.

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To address a chargeback under reason code 6050:

1. Review the Notification: Carefully examine the chargeback notice to understand the specific operating regulation alleged to have been violated.​
2. ​Assess Compliance: Evaluate your transaction processes and records to determine if there was a deviation from Discover's operating standards.​
3. Rectify Identified Issues: If a violation is confirmed, take corrective actions to address the specific issue and prevent recurrence.
4. Gather Supporting Documentation: If you believe the transaction complied with all relevant regulations, compile evidence such as authorization logs, transaction receipts, and communication records with the cardholder.​
5. Rectify Identified Issues: Provide a detailed response to the chargeback, including all supporting documentation, to demonstrate adherence to Discover's regulations.​
   
   

To minimize the occurrence of chargebacks under reason code 6050:

• Stay Informed: Regularly review and stay updated on Discover's operating regulations to ensure ongoing compliance.​
  
  
• Implement Robust Compliance Programs: Develop and maintain internal policies and procedures that align with Discover's standards.​
  
  
• Conduct Regular Training: Educate staff on compliance requirements and the importance of adhering to operating regulations.

‍Engage with Discover: Maintain open communication with Discover to seek clarification on regulations and receive guidance on compliance matters.