Discover reason code
Discover reason code AP: Cancelled Recurring Transaction
A recurring charge the cardholder says should have stopped.
Network: DiscoverCategory: Service DisputeResponse window: ~30 days
What Discover AP means
Discover AP is a cancelled recurring transaction: a repeating charge the cardholder says should have stopped.
When issuers use it
Discover files AP when a client disputes a renewal after cancelling a recurring payment.
Mistakes that lose this dispute
- Billing after a valid cancellation was received
- Having no clear, accepted cancellation policy
- Making cancellation hard, which issuers treat unfavourably
FAQ
Frequently asked questions
The customer says they cancelled. Can I still win?
Only if the billed period was before the cancellation took effect, or no valid cancellation was received. Show your cancellation terms and the records of when, or whether, the client cancelled.
How do I prevent recurring chargebacks?
Disclose the billing schedule clearly, send a reminder before each charge, and make cancellation simple. A clean, accepted cancellation policy is your strongest defence.