Discover Chargeback Response Template by Reason Code [Free 2026]
Quick answer
Free Discover chargeback response templates below for AA (Cardholder Does Not Recognize), RG (Non-Receipt of Goods or Services), and RM (Quality Discrepancy) — Discover's three most common eCommerce dispute categories. You have only 20 days to respond. Copy-paste and fill in your case details, or let ChargeMate generate a customized response at $10/case.
Discover processes a smaller share of US card volume than Visa or Mastercard, so its dispute list is shorter — just six reason codes in total. That doesn't make the disputes easier to win: the templates below are structured correctly for each category, but the specific details (AVS match level, exact tracking number, prior transaction history) are what actually decide the outcome.
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Template 1: Discover AA — Cardholder Does Not Recognize
Discover's fraud/unrecognized-charge category — the equivalent of Visa 10.4 / Mastercard 4837.
Required evidence: AVS/CVV match, prior undisputed transaction history, or delivery confirmation to the cardholder's billing address.
Merchant Response — Discover Dispute AA (Cardholder Does Not Recognize) Case Reference: [YOUR-CASE-REF] Transaction Date: [DATE] | Amount: $[AMOUNT] Card Last 4: [XXXX] Cardholder Claim: Does not recognize this transaction We dispute this chargeback. The transaction was authorized by the cardholder and matches verified account activity. Evidence: 1. Transaction placed [DATE] at [TIME] from IP [IP-ADDRESS], billing address matched via AVS ([MATCH LEVEL]) and CVV verified. 2. [CHOOSE ONE:] Option A — Prior history: [N] prior undisputed transactions from this card on our account, dating back to [DATE]. Same email, same device. Option B — Delivery: Order delivered [DATE] to [ADDRESS] via [CARRIER], tracking [NUMBER], signature obtained from [RECIPIENT]. See attached. Option C — Descriptor: Our billing descriptor "[DESCRIPTOR TEXT]" is confirmed to match what appears on the cardholder's statement. 3. Order confirmation emailed to [EMAIL] at [TIME]. No dispute or contact from the cardholder before this chargeback was filed. We request reversal of this chargeback based on the attached evidence of an authorized, verified transaction. [Company Name] | Merchant ID: [MERCHANT-ID] | [Date]
Template 2: Discover RG — Non-Receipt of Goods or Services
The most common non-fraud Discover dispute. Requires proof of delivery or digital access.
Required evidence: Carrier tracking with delivery confirmation, or access/download logs for digital goods.
Merchant Response — Discover Dispute RG (Non-Receipt of Goods or Services) Case Reference: [YOUR-CASE-REF] Transaction Date: [DATE] | Amount: $[AMOUNT] Cardholder Claim: Goods or services not received We dispute this chargeback. The order was fulfilled and delivered to the cardholder's registered address. Evidence: 1. Order placed [DATE] at [TIME]. Order confirmation emailed to [EMAIL] itemizing: [LIST OF ITEMS/SERVICES ORDERED]. 2. Shipped [DATE] via [CARRIER], tracking: [TRACKING-NUMBER]. [Attach carrier tracking record as PDF] 3. Delivered [DATE] at [TIME] to [FULL ADDRESS]. [CHOOSE: Signature obtained from [RECIPIENT] / Photo delivery confirmation / Left at door per carrier instructions with photo] 4. [If digital goods/services:] Account [EMAIL] accessed/downloaded the product on [DATE] from IP [IP-ADDRESS]. Access logs attached. 5. No contact from the cardholder before this dispute was filed. [If applicable: Cardholder contacted us on [DATE] and we [responded with/offered/resolved].] The goods/services were delivered to the address the cardholder provided at checkout. We request reversal of this chargeback. [Company Name] | Merchant ID: [MERCHANT-ID] | [Date]
Template 3: Discover RM — Quality Discrepancy
Used when the cardholder claims the item's quality or description differed significantly from what was sold.
Required evidence: Listing screenshot at time of sale, quality control records, and your return policy.
Merchant Response — Discover Dispute RM (Quality Discrepancy) Case Reference: [YOUR-CASE-REF] Transaction Date: [DATE] | Amount: $[AMOUNT] Cardholder Claim: Item did not match quality expected / significantly not as described We dispute this chargeback. The goods/services matched the description and quality standard presented at the time of sale. Evidence: 1. Product/service listing at time of purchase: [URL or screenshot attached]. Description specified: [SPECIFIC FEATURES/SPECS accurately described and matching what was delivered]. 2. [If physical goods:] SKU/serial number in order: [ID], matching the product photographed and shipped. [Attach product photo vs listing photo] 3. Quality control records: [BATCH/INSPECTION reference], confirming the item met our standard specifications before shipment. 4. Our return/refund policy (attached): [POLICY SUMMARY]. No return or quality complaint was raised through this process before the chargeback. [If cardholder contacted us:] Cardholder contacted us on [DATE] stating [THEIR COMPLAINT]. We offered [RESOLUTION]; cardholder did not respond or accept. The item matched its description and our standard quality specifications at the time of sale. We request reversal of this chargeback. [Company Name] | Merchant ID: [MERCHANT-ID] | [Date]
All Discover Reason Codes
| Code | Name | Key Evidence |
|---|---|---|
| AA | Cardholder Does Not Recognize | AVS/CVV match, prior transaction history, delivery confirmation |
| RG | Non-Receipt of Goods or Services | Carrier tracking + delivery confirmation, or access logs |
| RM | Quality Discrepancy | Listing screenshot, QC records, return policy |
| AP | Cancelled Recurring Transaction | Signed authorization, cancellation policy, proof no cancellation was received |
| AT | Authorization Non-compliance | Authorization approval code and timestamp matching the charge |
| AW | Altered Amount | Original signed receipt or authorization matching the charged amount |