Discover reason code AP
Discover AP: Recurring Payments
What the cardholder is claiming
The cardholder says you charged a recurring payment after they canceled, or that they never agreed to recurring billing in the first place.
The evidence that actually wins
Bank analysts skim responses in minutes against a checklist for this exact code. Lead with the strongest fact; never make them dig.
- ✓The signup record showing timestamped consent to recurring billing terms, ideally with the checkout page as the customer saw it
- ✓Your cancellation log showing no cancellation was requested before the charge, or that it arrived after the billing cutoff in your disclosed terms
- ✓Usage logs showing the customer kept using the service after the date they claim to have canceled
- ✓The renewal reminder or pre-billing notice you sent before the disputed charge
- ✓Proof of refund if you already credited the disputed billing cycle
The honest read
Winnable only when your own records are clean. If the customer actually tried to cancel and your flow failed or support sat on the request, refund and move on, because the bank will see the attempt. Whatever you decide about fighting, cancel the subscription immediately: leaving it active generates a fresh dispute every billing cycle. Buried or deliberately awkward cancellation flows lose these even when the strict letter of your terms was met.
Nobody can promise you a win; the cardholder's bank decides. What you control is submitting the strongest complete case your records support, on time. Our plain-language guarantees say exactly what that means.
Fighting a AP right now?
Send us the dispute and a person builds the complete, submission-ready response: the narrative mapped to AP, your evidence compiled and ordered, and the field-by-field walkthrough. 24-hour rush available. If our review says yours isn't worth fighting, we tell you for free.