What Discover LP means
A timing error in submitting the sale, independent of whether the customer received the goods.
Common causes
- Batches held or not settled
- Custom or made-to-order goods billed late without documentation
- Delayed delivery sales without fresh authorization
Evidence that answers it
- Signed or approved work order allowing late posting
- Custom-order agreement with authorization at order time
- Authorization within the required days of shipment for delayed delivery
How to prevent it
- Settle batches daily
- For made-to-order goods, document the cardholder's agreement to bill on completion
How Verdikx helps with LP
Verdikx applies its processing-error playbook. For custom orders, customer agreements in helpdesk threads (beta) can support the defense. You review any draft.
Frequently asked questions
What does Discover reason code LP mean?
Discover LP means the issuer received the sales data too late; Chase's guide cites more than 30 calendar days after the sale. Defenses are a cardholder-approved work order allowing late posting, proof of a custom order authorized at order time with final payment on completion, or compliance with delayed-delivery authorization rules.
Is Discover LP worth fighting?
Our reference rates LP (Late Presentation) rarely winnable, so check the facts before spending time on a response. The evidence that answers it starts with custom-order agreement with authorization at order time. The cardholder's bank decides the outcome.
How long does a cardholder have to file a Discover LP 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.
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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.