Reason code · Discover
Discover RG: non-receipt of goods or services
RG is Discover’s not-received code. The cardholder says the goods or services never arrived, they canceled and were still charged, or they refused delivery. Claims can come up to 540 days after the sale. Dated proof of delivery or service answers it.
What RG means
RG is Discover’s not-received code. Chase’s processor guide describes three claims under it:
- The goods or services were never received.
- The order was canceled, but the cardholder was still charged.
- Delivery was refused.
Some processors show a four-digit number instead of the letters. Stripe and Checkout.com list Non-Receipt of Goods or Services as 4755.
What the customer told their bank
“It never came.” “I canceled and they charged me anyway.” “I sent it back at the door.” Find out which one it is first. Each needs different proof.
Time limit
Chase’s processor guide lists 120 days from the scheduled delivery date, never more than 540 days from the transaction. Prepaid services and events booked far ahead can be disputed long after you were paid.
Discover’s rules come through your processor. Discover doesn’t publish its dispute rules manual. Its rules reach you through your processor, and published response windows conflict from one source to the next. The due date on your notice governs. Use it, not a number from an article.
What proof matters
Dated proof of delivery or service, proof the cardholder didn’t cancel under your policy, or proof a refund already went through. Chase’s guide also lists compelling evidence Discover will consider, such as photos or emails showing the person received what they paid for, or information that matches an earlier undisputed transaction.
Winning round one doesn’t pay you right away
Chase’s guide notes something about Discover that surprises merchants: when a chargeback is represented (your bank sends your response back to the cardholder’s bank), you aren’t credited immediately. Discover reviews the representment first and returns the money only if it agrees. Plan your cash flow around that wait.
The common mistake
Proving the service was available instead of provided. An open appointment slot isn’t proof the appointment happened. Attendance records and sign-offs are. For goods, Chase’s guide asks for delivery as directed by the cardholder, so tracking to some other address won’t carry the case.
Dispute Daddy builds this for you
Upload the notice and your records. Dispute Daddy builds a response around the reason the bank actually gave, and you approve it before you submit. See how the method works.
