Discover reason code UA01
Discover UA01: Fraud: Card Present Transaction
What the cardholder is claiming
The cardholder says their card was used in person without their permission. The card was physically present at the point of sale, but they claim they never authorized or took part in the transaction.
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.
- ✓EMV chip-read data for the transaction, proving it was processed through the chip rather than swiped or keyed
- ✓Signed sales receipt or PIN verification record tied to the exact transaction
- ✓Card imprint or terminal record proving the physical card was present at the sale
- ✓CCTV footage, pickup signature, or ID-check record connecting the cardholder to the purchase
- ✓Proof the transaction was already refunded, if a credit was issued
The honest read
This is a card-present code, so if you are an online merchant seeing UA01, lead your response with the miscoding. For in-person merchants, the EMV liability shift decides most of these before evidence is read: if a chip card was swiped or keyed at your terminal, you likely eat the loss no matter what really happened. It is worth fighting when you hold chip data plus a signature or PIN record. Keyed transactions with no verification are close to hopeless, and refunding early avoids the chargeback fee.
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 UA01 right now?
Send us the dispute and a person builds the complete, submission-ready response: the narrative mapped to UA01, 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.