Why it happens
- The ATM failed during the withdrawal.
- The cash was dispensed only in part.
Discover4864Customer dispute
Non-Receipt of Cash from ATM
The cardholder says an ATM did not give them the cash that was charged to their account.
What to send to fight it
- ATM logs showing the cash was dispensed.
- The balancing report for the machine.
- Camera or journal records from the ATM, where available.
How to prevent it
- Maintain ATMs and monitor dispensing errors.
- Reverse failed withdrawals as soon as they are found.
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
- 4537Fraud - Card Present Transaction
- 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
- 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
Read https://www.nochurn.sh/llms.txt,
then follow https://www.nochurn.sh/docs/quickstart/
to add NoChurn to this app. Use a test key
(nc_test_…) until I say we go live.
Stop leaking revenue.
- Free until $300 MRR
- No card needed
- Live in 10 minutes
- Never a cut of what we recover