Discover · Chargeback reason codes
Discover 4755 (RG) chargeback: Non-Receipt of Goods or Services, and how to win it
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Discover reason code 4755, Non-Receipt of Goods or Services (older letter code RG), means the cardholder says goods or services they paid for never arrived. Fiserv's guide gives the issuer 120 days after the agreed delivery date, up to 540 days from processing, and limits the dispute to the part not received. Win with signed proof of delivery or proof the service was provided; for digital goods, the download log and IP address.
- Category
- Cardholder dispute
- Time limit for the bank to file
- 120 days after the agreed delivery date, max 540 days from processing (Fiserv guide, 2016)
- Time limit to respond
- Your processor's deadline: Stripe says usually 7–21 days depending on the network; Adyen gives 25 days for Discover
- Typical evidence
- Signed proof of delivery; download log and IP for digital goods
- Can it be prevented?
- Mostly: ship with tracking and keep delivery records
- Who usually wins
- The merchant with delivery proof
What PlatformDTC does
PlatformDTC pushes the carrier and tracking number onto the Stripe payment as soon as an order ships, and its dispute response leads with the tracking number, ship date and delivery address. It also holds a subscription's first renewal until a week after the first parcel is delivered, so customers are not billed again for a box still in transit. With "Answer a chargeback automatically" switched on, it sends the response to the bank for you before the deadline.
What it means
The cardholder says they paid but did not receive the order. With no delivery date, Fiserv's guide puts the window at 15 to 120 days from processing. Adyen lists the claim under code 4555.
Older Discover documentation pairs 4755 with the letter code RG.
Why customers file it
Late or lost parcels, deliveries left unseen, or a renewal charged before the first box arrived.
Evidence that wins
Respond to every Discover chargeback, even small ones, as Discover itself advises. Send:
- Signed proof of delivery
- Proof the services were rendered
- Card-not-present: download log, IP address and time, or a store-pickup signature
- Tracking showing delivery to the cardholder's address
How to prevent it
- Get a delivery signature on valuable orders and keep delivery records, as Discover advises
- Share tracking with the customer
- Hold subscription renewals until the first order arrives
For developers
On Stripe the dispute object arrives with reason "product_not_received" and the card network's own code in payment_method_details.card.network_reason_code; listen for charge.dispute.created and read evidence_details.due_by for the deadline.
Discover does not publish its dispute rules publicly; the codes and names here are the ones Stripe reports, and the defences come from processor guides.
Frequently asked questions
- Is the whole charge disputed?
- Fiserv's guide limits a 4755 to the part not received.
- Why does Adyen show 4555?
- Adyen lists Discover non-receipt under 4555; Stripe and Braintree use 4755.
Sources
- Dispute categories and network reason codes — Stripe
- Dispute Management Guide, Discover chapter (Rev 04/16) — First Data (Fiserv)
- Dispute reason codes: Discover — Adyen
- Fraud prevention practices — Discover Global Network
Related
- 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.