Why it happens
- The terminal did not support PIN entry.
- PIN verification was skipped.
DiscoverUA06Fraud
Fraud - Chip and PIN Transaction
The cardholder says a lost or stolen chip and PIN card was used in person, and the PIN was not checked by the terminal.
What to send to fight it
- Terminal records showing the chip was read and the PIN was verified.
- Proof the terminal supported chip and PIN.
- The authorization record for the transaction.
How to prevent it
- Use terminals that support chip and PIN.
- Do not bypass PIN entry.
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
- 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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