Why it happens
- A lost or stolen card was used at a store.
- The card was keyed in or swiped instead of read by chip.
Discover4537Fraud
Fraud - Card Present Transaction
The cardholder says they did not authorize or take part in an in-person transaction. This numeric code replaces UA01 for newer disputes.
What to send to fight it
- Terminal records showing how the card was read.
- A signed receipt or PIN verification.
- Other records linking the cardholder to the purchase.
How to prevent it
- Read cards by chip and use up-to-date terminals.
- Check identification on unusual in-person purchases.
Summaries written by NoChurn from the networks’ public rules and processor documentation. Networks update their rules and deadlines depend on your processor: check its documentation before you respond.
Other Discover codes
- AADoes Not Recognize
- APCancelled Recurring Transaction
- AWAltered Amount
- CDCredit/Debit Posted Incorrectly
- DPDuplicate Processing
- ICIllegible Sales Data
- NFNon-Receipt of Cash from ATM
- PMPaid by Other Means
- RGNon-Receipt of Goods, Services, or Cash
- RMQuality Discrepancy
- RN2Credit Not Received
- UA01Fraud - Card Present Transaction
- UA02Fraud - Card Not Present Transaction
- UA05Fraud - Chip Counterfeit Transaction
- UA06Fraud - Chip and PIN Transaction
- 4534Duplicate Processing
- 4542Late Presentation
- 4550Credit/Debit Posted Incorrectly
- 4553Cardholder Disputes Quality of Goods or Services
- 4586Altered Amount
- 4752Does Not Recognize
- 4753Invalid Cardholder Number
- 4755Non-Receipt of Goods or Services
- 4863Authorization Non-Compliance
- 4864Non-Receipt of Cash from ATM
- 4865Paid by Other Means
- 4866Fraud - Chip Card Counterfeit Transaction
- 4867Fraud - Chip Card and PIN Transaction
- 4868Fraud - Card Not Present Transaction
Sources (2)
- TabaPay Docs: Discover chargeback reason codes · checked 2026-11-09
- Antom (Alipay) Docs: Discover/Diners dispute reason codes · checked 2026-11-09
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