ChargebackKit
DiscoverFraudUpdated June 2026

Discover Reason Code UA06: Fraud — Chip and PIN Transaction

Fraud occurred on a lost, stolen, or never-received chip card in a card-present transaction that was not completed with chip-and-PIN, shifting liability to the merchant.

Respond within ~30 days
Winnable with strong evidence

Your strongest argument

The chip was read and PIN-verified at an EMV-certified terminal, so liability for lost/stolen-card fraud did not shift to the merchant.

Evidence that wins a Discover UA06 dispute

  • Records that the terminal was EMV chip-and-PIN certified and the chip was read
  • Proof PIN verification was performed at the point of sale
  • Transaction record showing chip (not magstripe) acceptance
  • Authorization and settlement records

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 UA06. 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.

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How processors label this dispute

ProcessorWhat you'll see
Stripereason: fraudulent

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 UA06 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.

Build your evidence pack — $19
Verified against the official Discover Network Dispute Rules and Reason Code documentation3-day money-back guarantee if your pack isn’t structured correctly for your dispute

Or run the free readiness check first →

Frequently asked questions

What is Discover reason code UA06?↓
Discover UA06 ("Fraud — Chip and PIN Transaction") is filed when fraud on a lost, stolen, or never-received card occurs in a card-present transaction that was not completed with chip-and-PIN. Because PIN verification prevents this type of fraud, not performing it shifts liability to the merchant. It is the Discover equivalent of Mastercard 4871 and American Express F31.
How do I win a Discover UA06 chargeback?↓
Provide records that the terminal was EMV chip-and-PIN certified, the chip was read, and PIN verification was performed at the time of sale. If the transaction relied on magstripe or skipped PIN verification on a chip-capable card, the rebuttal is difficult.
How is UA06 different from UA05?↓
UA06 covers chip-liability-shift disputes where the fraud involves a lost, stolen, or never-received card; UA05 covers the counterfeit-card variant. Both require proof of proper EMV chip acceptance, but UA06 specifically requires PIN verification records as well.

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

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.