What Discover UA01 means
An in-person fraud claim. Mostly relevant to retail and pop-up sales rather than online stores.
Common causes
- Stolen card used in store
- Keyed transaction without an imprint
- Card-not-present sale miscoded as card present
Evidence that answers it
- Valid, legible transaction receipt, with an imprint if keyed
- Evidence the cardholder was present or participated
- Positive authorization response and compliant chip terminal data
How to prevent it
- Dip chip cards and avoid manual entry
- Answer every ticket retrieval request
How Verdikx helps with UA01
Verdikx imports UA01 cases from your connected processors and applies its fraud playbook. Card-present receipts come from your point-of-sale provider and can be uploaded to the case's evidence checklist.
Frequently asked questions
What does Discover reason code UA01 mean?
Discover UA01 means the cardholder claims fraud on a card-present transaction. Chase's guide says the issuer must send a ticket retrieval request first, and if you do not answer it the chargeback has no representment rights. Win with a valid receipt, imprint for keyed sales, and evidence the cardholder was present or approved it.
Is Discover UA01 worth fighting?
Our reference rates UA01 (Fraud - Card Present Transaction) sometimes winnable, depending on the evidence you have. The evidence that answers it starts with valid, legible transaction receipt, with an imprint if keyed. The cardholder's bank decides the outcome.
How long does a cardholder have to file a Discover UA01 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 UA01 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.