What Discover UA06 means
The chip-and-PIN liability shift for card-present fraud, including cash advances.
Common causes
- Terminal without PIN support
- Card reported lost or stolen before the sale
- Online sale miscoded as card present
Evidence that answers it
- Proof the sale was completed with PIN on a chip terminal
- Proof the transaction was card not present
- Properly flagged fallback in the authorization
How to prevent it
- Use PIN-capable chip terminals
How Verdikx helps with UA06
Verdikx applies its fraud playbook and attaches the processor's transaction record for online sales. In-person terminal evidence can be uploaded to the case's checklist.
Frequently asked questions
What does Discover reason code UA06 mean?
Discover UA06 covers a lost or stolen PIN-preferring chip card used at a point-of-sale device that did not support PIN entry, so no PIN was entered. Liability shifts to the merchant. Chase's guide says non-chip terminals have no representment rights unless you refunded; online merchants can show the sale was card not present.
Is Discover UA06 worth fighting?
Our reference rates UA06 (Fraud - Chip and PIN Transaction) rarely winnable, so check the facts before spending time on a response. The evidence that answers it starts with proof the sale was completed with PIN on a chip terminal. The cardholder's bank decides the outcome.
How long does a cardholder have to file a Discover UA06 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.