Reference pagesReason codes
Reason codes · Discover
Discover reason codes
Every Discover dispute reason code, what it means, and what the network says wins it. 19 current, and 7 the network has retired.
Fraud
Consumer dispute
| Code | Name | Filed as |
|---|---|---|
| AA | Does Not Recognize | General |
| AP | Canceled Recurring Payment | Subscription canceled |
| AW | Altered Amount | General |
| CD | Credit/Debit Posted Incorrectly | General |
| DP | Duplicate Processing | Duplicate |
| PM | Paid by Other Means | Duplicate |
| RG | Non-Receipt of Goods, Services, or Cash | Product not received |
| RM | Cardholder Disputes Quality of Goods or Services | General |
| RN2 | Credit Not Processed | Credit not processed |
| NF | Non-Receipt of Cash from ATM | Product not received |
Authorization
| Code | Name | Filed as |
|---|---|---|
| AT | Authorization Non-compliance | General |
Processing error
Consumer dispute
| Code | Name | Filed as |
|---|---|---|
| 05 | Good Faith Investigation | General |
Compliance
| Code | Name | Filed as |
|---|---|---|
| DC | Dispute Compliance | General |
How long you have
Ticket retrieval request: 20 days
Dispute-Response, Discover time limits, 24 November 2025
Chargeback representment: 30 days
Dispute-Response, Discover time limits, 24 November 2025, Chargeflow, Discover reason codes, updated 28 June 2026
Sources differ. Another reading is 20 days. The inventory records this as a conflict and notes the 20-day figure comes from a 2019 page. Acquirers often set shorter deadlines than the network does. Chargebacks911 reason-code pages: Visa 28 January 2025, Mastercard 7 April 2026, American Express 1 April 2025, Discover 17 April 2019
Arbitration request: 10 days
Dispute-Response, Discover time limits, 24 November 2025
Cardholder dispute window: 120 days, or 540 days for non-receipt and quality, or 730 days for good faith
Dispute-Response, Discover time limits, 24 November 2025
These are the network limits. Your acquirer often sets a shorter one, and theirs is the deadline that applies to you.
After you respond
- Discover publishes no primary rules document. Its Dispute Rules are restricted to acquirers, so every figure here comes from vendor documentation rather than from Discover. Chargeflow, Discover reason codes, updated 28 June 2026, Chargeback Gurus, Discover reason codes, Chargebacks911 reason-code pages: Visa 28 January 2025, Mastercard 7 April 2026, American Express 1 April 2025, Discover 17 April 2019
What changed recently
- The inventory found no code changes in 2025 or 2026. The numeric and alphabetic code sets coexist, and Stripe uses the numeric one. Chargeflow, Discover reason codes, updated 28 June 2026, Dispute-Response, Discover time limits, 24 November 2025
Retired codes
Discover no longer files disputes under these. They are here because a dispute raised before the change still carries its original code, and because some processors still map them.
| Code | Name | Filed as |
|---|---|---|
| UA10 | Request Transaction Receipt | Not in the processor map |
| UA11 | Fraud - Swiped, No Signature | Not in the processor map |
| NA | No Authorization | Not in the processor map |
| DA | Declined Authorization | Not in the processor map |
| EX | Expired Card | Not in the processor map |
| NC | Not Classified | Not in the processor map |
| IC | Illegible Sales Data | Not in the processor map |
Related
- Visa reason codes
- Mastercard reason codes
- American Express reason codes
- Evidence by reason
- Dispute statuses
Sources read 2026-09-08.
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