Discover Reason Code UA02: Fraud — Card Not Present Transaction
A card-not-present (online or phone) transaction is disputed as fraudulent; the Discover cardmember says they did not authorize the charge.
Your strongest argument
AVS and CID matched, the order was delivered to the verified address, and the cardmember has a history of undisputed purchases — this was the genuine account holder.
Evidence that wins a Discover UA02 dispute
- AVS (address) and CID match results from the authorization
- Device fingerprint / IP address tied to the cardmember
- Proof of delivery to the verified address or digital product access after purchase
- Prior undisputed order history from the same cardmember
Ordered strongest first — lead your rebuttal with the items at the top.
Source: Discover Network Dispute Rules and Reason Code documentation. The Discover rulebook defines this code and its dispute framework; the issuer decides every dispute and sets the exact deadline shown in your processor dashboard.
Not sure you have enough to win?
Run a free 60-second readiness check for Discover UA02. Answer a few yes/no questions and get a 0–100 score, a green/amber/red evidence checklist, and your exact response deadline — no signup.
How processors label this dispute
| Processor | What you'll see |
|---|---|
| Stripe | reason: fraudulent |
| PayPal | Unauthorized transaction |
Where to pull this evidence
Prove the genuine cardholder made and benefited from the purchase. Authentication data wins these. Here's exactly where the relevant records live in each processor dashboard — gather them free before you build your pack.
Stripe
Dashboard → Payments → Disputes (or the email alert from Stripe).
- AVS & CVC check results: Open the original payment → Payment details → "Checks" (CVC, ZIP, address).
- Customer email, IP, and device: Payment → Customer section and the "Risk insights" / Radar panel.
- Receipt / order confirmation: Payment → "Send receipt" or your order-management system; export the PDF.
- Refund history & reference IDs: Payment → Timeline shows any refunds with their re_… reference IDs.
Shopify Payments
Shopify admin → Orders → the flagged order → "Chargeback" banner, or Settings → Payments → Manage disputes.
- Order & fulfillment details: Orders → the order → Fulfillment + Timeline (shows when items shipped).
- Tracking number & carrier: Orders → Fulfillment → tracking; confirm "Delivered" status with the carrier.
- Customer info & IP: Order → Customer section; Order → Additional details / fraud analysis for IP and AVS/CVV.
- Fraud analysis (AVS/CVV/risk): Order → "Fraud analysis" panel shows AVS, CVV, and Shopify’s risk indicators.
Square
Square Dashboard → Disputes (or Balance → Disputes), or the email from Square.
- Transaction & receipt: Transactions → the payment → receipt; "Resend receipt" for a copy.
- Card-present / chip details: Transaction detail shows entry method (chip, tap, keyed) — chip reads support card-present disputes.
- Customer details: Customer Directory → the customer; or the transaction’s customer section.
- Itemization & amount: Transaction → itemized breakdown to rebut "incorrect amount" claims.
PayPal
PayPal → Resolution Center → the open case (Dispute, Claim, or Chargeback).
- Transaction details & ID: Activity → the transaction → details; note the Transaction ID.
- Proof of delivery / tracking: Resolution Center → "Respond" → add tracking number + carrier (PayPal validates delivery).
- Proof of shipment / service: Resolution Center evidence upload: invoice, shipment receipt, or service-completion proof.
- Buyer communication: Resolution Center message thread + your own email records with the buyer.
Build a submission-ready Discover UA02 response
ChargebackKit assembles your evidence into a formatted, labeled rebuttal pack with the exhibits and response letter card networks expect — pre-mapped to Fraudulent / Unauthorized disputes.
Frequently asked questions
What is Discover reason code UA02?↓
How do I win a Discover UA02 chargeback?↓
How is UA02 different from UA01?↓
Where to go next
Build the pack for Fraudulent / Unauthorized disputes, or dig into the matching guide, template, and processor evidence requirements.
Build the pack for this dispute
Guides for this dispute
Templates for this dispute
Updated June 2026. This code’s meaning and evidence requirements are sourced from the Discover Network Dispute Rules and Reason Code documentation and may change as Discover revises its rules; always check your processor dashboard for the exact deadline and label on your dispute. The issuer decides every dispute — there is no guaranteed outcome.