Reference pagesReason codes
Consumer dispute
Discover RM: Cardholder Disputes Quality of Goods or Services
A Discover dispute reason code, what it asks you to prove, and what Do The Proof puts in the response.
What this code means
Defective / not as described
The inventory records that Stripe puts no Discover code in product_unacceptable at all, so this quality dispute arrives under the general label.
What the network says wins it
DESC
- The description or contract the purchase was made under
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
- Chargeflow, Discover reason codes, updated 28 June 2026 Read 2026-09-08.
- Chargeback Gurus, Discover reason codes 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