What Discover UA11 means
A card-present fraud claim focused on a missing signature, listed by Solidgate among Discover's fraud codes.
Common causes
- No signature captured
- No authorization
- Unreadable receipt
Evidence that answers it
- Authorization approval for the sale
- Receipt and any evidence the cardholder was present
How to prevent it
- Capture authorization on every sale
- If the stripe will not read, key-enter for authorization and record the approval code
How Verdikx helps with UA11
Verdikx imports these cases from connected processors and applies its fraud playbook. Point-of-sale receipts can be uploaded to the case.
Frequently asked questions
What does Discover reason code UA11 mean?
Discover UA11 means the cardholder claims fraud on a swiped, card-present transaction for which no signature was obtained. Defending it requires the authorization approval and whatever proof of the cardholder's presence you have. It mainly affects in-person sales, so most online merchants will not see it.
Is Discover UA11 worth fighting?
Our reference rates UA11 (Cardholder Claims Fraud (swiped transaction, no signature)) rarely winnable, so check the facts before spending time on a response. The evidence that answers it starts with authorization approval for the sale. The cardholder's bank decides the outcome.
How long does a cardholder have to file a Discover UA11 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 UA11 with the right evidence.
Install on Shopify, or create a workspace for WooCommerce, another platform or your processors, and get your first verdicts in minutes. 7-day free trial, no percentage of what you win.
Sources
- Solidgate Docs: Chargeback reason codes (Discover and American Express) (checked October 5, 2026)
Last reviewed by Verdikx Research.