Discover reason code UA02
Discover UA02: Fraud: Card Not Present Transaction
What the cardholder is claiming
The cardholder denies authorizing a card-not-present 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.
- ✓ProtectBuy (Discover 3DS) authentication where present
- ✓AVS/CID results, device and IP consistency
- ✓Delivery or usage evidence tied to the cardholder
The honest read
Same fundamentals as the other networks' card-absent fraud codes: authentication decides most of it. Discover volume is smaller, but the evidence logic is identical.
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 UA02 right now?
Send us the dispute and a person builds the complete, submission-ready response: the narrative mapped to UA02, 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.