Discover 05: Good Faith Investigation

A Discover dispute reason code, what it asks you to prove, and what Do The Proof puts in the response.

What this code means

Merchant-accepted good-faith claim; non-appealable

What the network says wins it

The sources record no evidence that answers this code.

Discover does not publish per-code dispute rules, so this page carries no quoted guidance on what wins.

How Do The Proof handles it

Arrives in Do The Proof as: General

How long you have to respond

Ticket retrieval request: 20 days
Chargeback representment: 30 daysThe 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. The other reading is 20 days.
Arbitration request: 10 days
Cardholder dispute window: 120 days, or 540 days for non-receipt and quality, or 730 days for good faith

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.

Where this comes from

Chargeback Gurus, Discover reason codes Read 2026-09-08.
Chargebacks911 reason-code pages: Visa 28 January 2025, Mastercard 7 April 2026, American Express 1 April 2025, Discover 17 April 2019 Read 2026-09-08.
Stripe, reason code categories Read 2026-09-08.

Other Discover consumer dispute codes

Do The Proof drafts dispute responses for Shopify stores. Connect store