Discover · Chargeback reason codes
Discover 4867 chargeback: Fraud Chip Card and PIN explained
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Discover reason code 4867, Fraud Chip Card and PIN Transaction (older letter code UA06), means a chip-and-PIN card was used fraudulently in person where the sale was not completed with chip and PIN. Fiserv's guide gives the issuer 120 days from the central processing date. Answer with proof the terminal was chip-and-PIN capable, the sale used chip and PIN, or a fallback applied.
- Category
- Fraud (card present)
- Time limit for the bank to file
- 120 calendar days from the processing date for most Discover codes (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
- Proof of a chip-and-PIN capable terminal or chip-and-PIN sale
- Can it be prevented?
- Yes: chip-and-PIN capable terminals
- Who usually wins
- The merchant with chip-and-PIN evidence
What PlatformDTC does
PlatformDTC's in-store point of sale sends every card payment to a Stripe Terminal card reader on the store's own Stripe account; the till cannot key a card number in, and online orders are card-not-present. Online orders cannot receive a 4867.
What it means
A chip-and-PIN card was used without chip and PIN, so liability shifts to the merchant.
Older Discover documentation pairs 4867 with the letter code UA06.
Why customers file it
A stolen card used at a terminal that did not ask for the PIN.
Evidence that wins
Respond to every Discover chargeback, even small ones, as Discover itself advises. Send:
- Proof the terminal is chip-and-PIN capable
- Proof the sale was completed with chip and PIN
- Proof of a fallback
How to prevent it
- Use terminals that support chip and PIN
For developers
On Stripe the dispute object arrives with reason "fraudulent" 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
- How is 4867 different from 4866?
- 4866 is a counterfeit card; 4867 is a chip-and-PIN card used without chip and PIN.
- Is it defendable through Adyen?
- Adyen marks 4867 as not defendable through Adyen.
Sources
- Dispute categories and network reason codes — Stripe
- Dispute Management Guide, Discover chapter (Rev 04/16) — First Data (Fiserv)
- Dispute reason codes: Discover — Adyen
Related
- 4866 — A counterfeit chip card was used where the chip was not read.
- 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.