Discover reason code UA06
Discover UA06: Fraud: Chip and PIN Transaction
What the cardholder is claiming
The cardholder had a PIN-preferring chip card and says an unauthorized transaction went through at your terminal without PIN verification, because the terminal allowed a PIN bypass or was not PIN-enabled.
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.
- ✓POS records showing a PIN was actually entered and verified for the disputed transaction
- ✓EMV transaction data showing the card was chip-read and which cardholder verification method the terminal applied
- ✓Evidence the card was not PIN-preferring at the time of the sale, if your records support that
- ✓Proof the disputed transaction was already refunded
The honest read
Like UA05, this is a liability-shift enforcement code. If your terminal let a PIN-preferring card complete without a PIN, you own the loss regardless of the fraud's actual circumstances. Fight only if your records show PIN verification really happened or the code was misapplied to a non-PIN card. Otherwise accept it, then fix the terminal configuration so the next one does not land the same way.
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 UA06 right now?
Send us the dispute and a person builds the complete, submission-ready response: the narrative mapped to UA06, 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.