Chargeback reason codes
Discover chargeback reason codes: what each one means and how to win
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Discover reason codes are numbers such as 7030 for card-not-present fraud, 4755 for goods not received, 4541 for cancelled recurring payments and 8002 for credits not processed; older documents use letter codes like UA02. Discover often sends a documentation request first, and Stripe warns an unanswered Discover inquiry can become a dispute you cannot challenge. Pick a code below for its evidence checklist.
| Code | Meaning |
|---|---|
| 7030 | The cardholder says they did not make an online, phone or mail order purchase. |
| 7010 | The cardholder denies an in-person purchase. |
| 4866 | A counterfeit chip card was used where the chip was not read. |
| 4867 | A lost or stolen chip-and-PIN card was used where chip and PIN were not used. |
| 4752 | The cardholder does not recognize the charge on their statement. |
| 4755 | The cardholder says the goods or services never arrived. |
| 4553 | The cardholder says the goods or services were defective, not as described or poor quality. |
| 4541 | The cardholder says a recurring charge was billed after they cancelled. |
| 8002 | The cardholder says a refund they were owed was never processed. |
| 4534 | The same charge was processed twice on the same date for the same amount. |
| 4865 | The cardholder says they paid for the purchase another way. |
| 4586 | The amount charged differs from the amount the cardholder agreed to. |
| 4550 | A credit was posted as a sale, or a sale as a credit. |
| 4542 | The sale was submitted more than 10 days after the transaction (30 for travel). |
| 4863 | The sale was not properly authorized, or was made on an expired card. |
| 4753 | The charge was posted to an invalid card number. |
| 4757 | Discover itself initiated the dispute for a breach of its operating rules. |
| 4762 | A late dispute raised after the normal chargeback window, within 2 years of processing. |
Where these codes come from
Discover does not publish its dispute rules manual publicly. The codes and names here are the ones Stripe reports on Discover disputes. Some processors number the same claims differently: Adyen uses 4868 for card-not-present fraud, 4555 for non-receipt and 4560 for credit not processed. Older Fiserv documentation pairs each number with a letter code, such as 7030 with UA02.
Stripe also lists documentation-request codes (6005, 6021, 6040, 6041) and 4864 Non-Receipt of Cash from ATM, which applies only to ATM operators.
Discover Fraud Alerts
Discover Fraud Alerts notify US businesses in near real time when a cardholder or issuer reports a transaction as fraud, so the business can stop fulfilment or cancel the shipment. The standard version is a free web platform; a premium version adds API delivery. Discover also advises responding to every chargeback, documenting efforts to satisfy the customer, and refunding to the same card used for the purchase.
Frequently asked questions
- What is Discover UA02?
- The older letter code for card-not-present fraud, now reported by Stripe as 7030 Fraud Card Not Present.
- What happens if I ignore a Discover inquiry?
- Stripe says Discover inquiries can turn into disputes you cannot challenge if you do not submit evidence.
Sources
- Dispute categories and network reason codes — Stripe
- How disputes work — Stripe
- Dispute Management Guide, Discover chapter (Rev 04/16) — First Data (Fiserv)
- Dispute reason codes: Discover — Adyen
- Chargeback reason codes — Braintree (PayPal)
- Fraud management tools: Fraud Alerts — Discover Global Network
- Fraud prevention practices — Discover Global Network