Reason code · Discover
Discover UA02: fraud, card-not-present transaction
UA02 is Discover’s fraud code for online, phone and mail orders: the cardholder says they didn’t make the purchase. Processors describe the accepted defenses differently, so the rules your processor applies are the ones that matter.
What UA02 means
UA02 is Discover’s fraud code for card-not-present sales: online, phone and mail orders. The cardholder says they didn’t make the purchase. Chase’s processor guide adds that the issuer may treat a sale as possible fraud when the address check or the card security code (CID) wasn’t done.
Older documents call it U02. Some processors show a number: Stripe and Checkout.com list Fraud, Card Not Present Transaction as 7030.
What the customer told their bank
“I didn’t order this.” Sometimes that’s true fraud, sometimes a family member or a forgotten order. Either way, the bank will judge the response against Discover’s rules, not your instinct.
Time limit
Chase’s processor guide lists 120 days from the transaction date.
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
This is where sources part ways. Chase’s older guide says representment needs all three: a positive address check, the CID, and proof of delivery to the verified street address. Other processor material describes a different, looser list. Ask your processor which defenses it accepts, and in what form, before you build a response. Chase’s guide also describes compelling evidence, such as correspondence with the cardholder or a record of digital downloads.
The document request comes first
Chase’s guide says the issuer must send a Ticket Retrieval Request, Discover’s request for the records of the sale, before starting this chargeback. And if documentation isn’t provided in response, the issuer may start a final and non-appealable chargeback. Answering that first request is not optional.
The common mistake
Not capturing the address check and CID at checkout. Discover’s own fraud-prevention page tells merchants to verify the billing address electronically and to request and validate the CID. If the data isn’t in the sale, no response can add it later.
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.
