Discover Reason Codes

This reason code applies when a transaction is processed without adhering to Discover's authorization requirements.

This reason code is used when a transaction is processed using an invalid or incorrect cardholder number.

This reason code is used when a cardholder disputes a recurring transaction, claiming that they had previously canceled the subscription or recurring payment agreement with the merchant, but were still charged.

This reason code is used when a cardholder disputes a transaction, claiming that the goods or services they paid for were not received.

This reason code is used when Discover initiates a Good Faith Investigation (GFI) in response to a cardholder's dispute that falls outside the standard chargeback timeframes.

This reason code is used when a cardholder disputes a transaction, claiming they do not recognize the charge on their statement.

This reason code is used when a cardholder disputes a transaction, claiming that the goods or services received were defective, damaged, not as described, or otherwise unsatisfactory.

This reason code is utilized when Discover requests transaction documentation from a merchant in response to a cardholder dispute.

This reason code is utilized when Discover requests transaction documentation from a merchant.

This reason code is used when Discover believes your transaction violated one or more of its operating rules.

This reason code is used when a cardholder disputes a transaction, asserting that they did not authorize or participate in a card-present transaction.

This reason code is used when a cardholder disputes a transaction, alleging that their chip-enabled card was used fraudulently with a Personal Identification Number (PIN).

This reason code is used when a cardholder disputes a transaction, asserting that they did not authorize or participate in a card-not-present (CNP) transaction.

This reason code is used when an issuer requests transaction documentation from the merchant to assist in a fraud investigation.

This reason code is used when a cardholder disputes a transaction, alleging that a counterfeit chip card was used fraudulently.

This reason code is applied when a cardholder disputes an ATM transaction, claiming that their account was debited, but they did not receive the cash requested.

This reason code is used when a merchant submits a transaction to Discover beyond the allowable timeframe for processing.

This reason code applies when a transaction intended to be a refund is mistakenly processed as a sale.

This reason code is used when a cardholder disputes a transaction, alleging that the amount charged differs from the amount they authorized.

This reason code is used when a cardholder claims they were charged more than once for a single purchase, resulting in duplicate transactions.

This reason code is used when a cardholder claims that a credit or refund they were expecting from a merchant was not processed to their account.

This reason code is used when a cardholder disputes a transaction, claiming they have already paid for the goods or services through an alternative method.