What Discover 05 means
A chargeback that follows your own acceptance during a Good Faith investigation, or Discover's correction. Chase's guide gives it a 730-day window from the transaction date.
Common causes
- Accepting responsibility on a Good Faith inquiry
- A duplicate credit that Discover reverses
- Discover finding an operating regulations violation
Evidence that answers it
- Proof the cardholder already received a credit for the amount, if you refunded directly
How to prevent it
- Check refund history before accepting a Good Faith inquiry
- Refund through the original payment so credits are traceable
Time limits and caveats
Chase lists a 730-calendar-day window to initiate this chargeback, much longer than other Discover codes.
How Verdikx helps with 05
Verdikx shows each order's refund records next to the case, so you can confirm whether the cardholder was already credited before deciding. Verdikx never accepts or submits outside the limits you set.
Frequently asked questions
What does Discover reason code 05 mean?
Discover reason code 05, Good Faith Chargeback, means you accepted liability in response to a Good Faith ticket retrieval request, or Discover is correcting a duplicate credit or a regulations violation. It is usually final. The exception is when the cardholder already received a credit from you, which you can show to avoid a double refund.
Is Discover 05 worth fighting?
Our reference rates 05 (Good Faith Chargeback) usually one to accept: a response rarely changes the outcome. The evidence that answers it starts with proof the cardholder already received a credit for the amount, if you refunded directly. The cardholder's bank decides the outcome.
How long does a cardholder have to file a Discover 05 chargeback?
Usually 120 days from the transaction date, under the network's issuer time limits for most codes. Your processor gives you far less time to respond, so work from the due date on the case.
Answer your next 05 with the right evidence.
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Sources
- Chase Merchant Services: Chargeback Reason Codes user guide (04/2018), Discover section (checked October 5, 2026)
- Solidgate Docs: Chargeback reason codes (Discover and American Express) (checked October 5, 2026)
Last reviewed by Verdikx Research.