Discover reason code
Discover reason code UA02: Fraud – Card Not Present
The cardholder says they did not authorise an online or phone transaction.
Network: DiscoverCategory: FraudResponse window: ~30 days
What Discover UA02 means
Discover UA02 is card-not-present fraud: the cardholder says they did not authorise an online or phone transaction.
When issuers use it
Discover raises UA02 when a cardholder reports an unauthorised card-not-present charge.
Mistakes that lose this dispute
- Not capturing AVS and CVV at checkout
- Granting access to unverified details
- Treating 'does not recognize' as automatically lost; a clear billing descriptor often resolves it
FAQ
Frequently asked questions
How do I fight a card-not-present fraud chargeback?
Show the transaction came from the real cardholder: AVS and CVV match, login and device records, and proof they used the service. The more identity evidence, the stronger your case.
The customer says they don't recognize the charge. What now?
Often this is a forgotten purchase. A clear billing descriptor, the purchase record and proof of use usually resolve a does-not-recognize dispute.