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Vindicia Knowledge Center

Discover (Novus Network)

The following table lists and describes Chargeback Reason Codes returned by Discover (Novus Network).

Reason Code

Explanation

AL

Cardholder challenges the validity of an airline Card Transaction. Airline Transaction Dispute.

AP

Cardholder challenges the validity of multiple Automatic Payment Card Transactions. Automatic Payment.

AW

Cardholder alleges that the amount of a Card Transaction was altered without the Cardholder’s consent or direction. Altered Amount.

CA

Cardholder challenges the validity of a Cash Advance, Quasi Cash or Cash Over Transaction, other than a Discover Network ATM Transaction. Cash Advance Dispute.

CD

Cardholder challenges the validity of a Card Transaction because the Transaction should have resulted in a Credit rather than a Card Sale. Credit.

CR

Cardholder challenges the validity of a Card Transaction because the Cardholder cancelled the underlying reservation with the Merchant. Cancelled Reservation.

DA

Declined Authorization

DP

Cardholder challenges the validity of more than one Card Sale that posted to the Cardholder’s Account. Duplicate Processing.

EX

Cardholder or Issuer challenges the validity of a Card Sale because the Card had expired at the time of the Authorization Request. Issuer must provide valid legible proof the Card had expired at the time of the Card Sale. Expired Card.

IC

Cardholder or Issuer disputes a Card Sale because Sales Data received in response to a Ticket Retrieval Request is either illegible or is missing a valid legible Card imprint. Illegible Sales Data.

IN

Issuer disputes a Card Transaction because the Card Number provided by the Merchant is not valid. Issuer must provide valid legible proof that the Card Number is neither assigned nor valid. Invalid Card Number.

IS

Cardholder or Issuer disputes a Card Sale because Sales Data received in response to a Ticket Retrieval Request does not include a valid legible Cardholder signature. Issuer must provide valid legible proof the Sales Data does not display a Cardholder signature. Missing Signature.

LP

Cardholder or Issuer disputes a Card Sale because the Acquirer or Merchant submitted Sales Data for the Card Sale more than 60 calendar days after the Authorization Request and the Card Sale was not for a delayed delivery Card Sale. Issuer must provide valid legible proof that Sales Data for the disputed Card Sale was submitted more than 60 calendar days after the Card Sale date. Late Presentation.

N

Cardholder alleges that he or she was present at the ATM but received no funds. No funds Dispensed.

NA

Issuer disputes a Card Sale because the Merchant did not obtain an Authorization Response and the Issuer cannot collect the Card Sale amount from the Cardholder. No Authorization.

NC

Cardholder challenges the validity of a Card Transaction and no other Reason Code applies. Not Classified.

P

Cardholder challenges the location at which a Cash Advance took place or the amount of cash dispensed. Partial Funds Dispensed.

RG

Cardholder challenges the validity of a Card Transaction due to non-receipt of goods or services. Non-Receipt of Goods or Services.

RM

Cardholder challenges the validity of a Card Transaction because the merchandise or services delivered by the Merchant were not of the quality or condition agreed-upon. Cardholder Disputes Quality of Goods or Services.

RN

Cardholder alleges that an expected Credit from the Merchant was not received or was insufficient in amount (sub-Reason Codes are RN1 and RN2). Additional Credit RequestedRN1 Non-Receipt of CreditRN2.

SV

Cardholder or Issuer disputes a Stored Value Gift Card Transaction because the Merchant did not obtain a positive Authorization Response for the total amount of the disputed Card Sale. Issuer must provide valid legible proof the Stored Value Gift Card is over limit. Stored Value Dispute.

TF

Discover Network initiates a Chargeback of a Card Transaction because the Acquirer or Merchant did not comply with the applicable Operating Regulations and Discover Network identified such noncompliance after receiving the response to a Ticket Retrieval Request. Violation of Operating Regulations.

TNM

Cardholder challenges the validity of the Cash Advance because the Cardholder does not recognize the Transaction billed to the Account. Improperly Posted to Cardholder’s Account.

UA01

Cardholder or Issuer challenges the validity of a Card Sale because no Authorization Request was attempted by the Merchant. Issuer must provide valid legible proof that an Authorization Request was not attempted at any time up to 90 calendar days prior to the Card Sale date. No Authorization.

UA02

Cardholder or Issuer challenges the validity of a Card Sale because the Issuer provided a declined Authorization Response. Issuer must provide valid legible proof that an Authorization Request was not approved during the same time period. Declined Authorization.

UA03

Card Sale exceeds amount Authorized. Sale Exceeded Authorization Amount.

UA11

Swiped Card Transaction – No Cardholder signature obtained. No Signature, Swiped.

UA12

Swiped Card Transaction – Invalid Cardholder signature obtained. Different Signature, Swiped.

UA18

Swiped Card Transaction – Illegible copy of Transaction Receipt. Illegible Copy, Swiped.

UA21

Keyed Card Transaction – No Cardholder signature obtained. No Signature, Keyed.

UA22

Keyed Card Transaction – Invalid Cardholder signature obtained. Different Signature, Keyed.

UA23

Keyed Card Transaction – Invalid Card imprint. Invalid Imprint.

UA28

Keyed Card Transaction – Illegible copy of Transaction Documentation. Illegible Copy, Keyed.

UA31

Card Not Present Card Transaction – Invalid Proof of Delivery obtained by Acquirer or Merchant. Invalid Proof of Delivery.

UA32

Cardholder or Issuer challenges the validity of a Card Not Present Card Transaction because the Acquirer or Merchant did not use the or obtain and submit the CID from the Cardholder. Issuer must provide compelling evidence that the Acquirer or Merchant did not use the and/or did not obtain and submit CID from the Cardholder in connection with the Card Sale. Invalid CNP Sale.

UA38

Card Not Present Card Transaction - Illegible copy of Transaction Documentation. Illegible Copy, Card Not Present.

UA99

Cardholder or Issuer challenges the validity of a Card Sale and the Acquirer or Merchant did not comply with the applicable Operating Regulations in connection with the Card Sale. Issuer must provide compelling evidence that the Acquirer or Merchant did not comply with its obligations under the Operating Regulations in connection with the Card Sale. Non-Co.

EF

Transaction Exceeds Floor Limit

RI

Non-Receipt of Requested Item

UA

Unauthorized Purchase