Discover reason code
Discover reason code RN2: Credit Not Processed
A refund or credit the cardholder expected was not applied.
Network: DiscoverCategory: Service DisputeResponse window: ~30 days
What Discover RN2 means
Discover RN2 is credit not processed: a refund or credit the cardholder expected was not applied.
When issuers use it
Discover raises RN2 when a client reports a promised refund did not appear.
Mistakes that lose this dispute
- Promising a refund and not issuing it before the dispute
- Having no clear policy on when refunds are due
FAQ
Frequently asked questions
The customer says I never refunded them. What do I do?
If you issued the credit, show the dated proof with its reference. If a refund wasn't owed, show your accepted refund policy and why it did not apply.
I issued a refund but still got a chargeback. What now?
Submit proof of the credit (date, amount, reference). Issuers reverse these once you show the refund was already processed.