Discover · Chargeback reason codes
Discover 8002 chargeback: Credit Not Processed explained
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Discover reason code 8002, Credit Not Processed (older letter code RN2), means the cardholder says a refund owed after a return or cancellation never arrived. Fiserv's guide says the issuer waits 15 days after the return or refusal, then has 120 days to file. Answer with the date the credit was issued, or a rebuttal explaining why no credit is owed; if the credit is owed, accept the chargeback.
- Category
- Cardholder dispute
- 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
- Date and reference of the credit; refund policy
- Can it be prevented?
- Yes: refund promptly after returns and cancellations
- Who usually wins
- The merchant with proof the credit was issued
What PlatformDTC does
For a "refund not received" dispute, PlatformDTC reads the refund history from Stripe: if the money was already returned it sends each refund's amount, date and acquirer reference number (ARN) and asks the bank not to pay twice; if not, it quotes the store's published refund policy. With "Answer a chargeback automatically" switched on, it sends the response to the bank for you before the deadline.
What it means
The cardholder returned or cancelled and says no credit followed. Adyen lists the claim under code 4560.
Older Discover documentation pairs 8002 with the letter code RN2.
Why customers file it
A refund promised but not issued, or one still posting.
Evidence that wins
Respond to every Discover chargeback, even small ones, as Discover itself advises. Send:
- The date the credit was issued and its reference
- A rebuttal showing why no credit is owed under the policy disclosed at purchase
How to prevent it
- Refund to the same card used for the purchase, as Discover advises
- Tell the customer when the refund is sent
For developers
On Stripe the dispute object arrives with reason "credit_not_processed" 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
- Should I fight an 8002 if I owe the refund?
- No. Fiserv's guide says to accept the chargeback when the credit is owed.
- Why does Adyen show 4560?
- Adyen lists Discover credit not processed under 4560; Stripe uses 8002.
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
- 4541 — The cardholder says a recurring charge was billed after they cancelled.
- 4550 — A credit was posted as a sale, or a sale as a credit.
- 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.
- 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.