Why it happens
- The billing descriptor does not match the brand name the customer knows.
- The customer forgot a subscription renewal.
- Someone else in the household made the purchase.
DiscoverAACustomer dispute
Does Not Recognize
The cardholder says they do not recognize the charge on their statement.
What to send to fight it
- Order details showing what was bought, when and by whom.
- Delivery or usage records linked to the cardholder.
- Receipts and emails sent to the cardholder.
- Previous undisputed charges on the same card.
How to prevent it
- Use a billing descriptor that matches your brand and add a support contact.
- Send a receipt for every charge and a reminder before renewals.
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
- 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
- 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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