Join us at ChargebackXโ€”the world's first virtual chargeback conference. Register Now >

credit card mocks 04 3

Discover Reason Code UA02 Fraud/Card-Not-Present Environment

Disputeโ€‹

Discover

Card Issuer Name

UA02

Reason Code

Fraud

Category

Claim

The cardholder claims that they did not participate in or authorize a card-not-present transaction. It could be a telephone, mail or internet order.

Cause

  • The merchant didnโ€™t seek an authorization request before completing the transaction.
  • The merchant makes several attempts on a declined card or tries to circumvent, override or force a declined authorization request.
  • A fraudster completed a transaction using stolen account or payment credentials.
  • Friendly fraud. For example, the customer completed the transaction and forgot that they did so.

Response

Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant.
Merchants have a flexible number of days to to respond to the claim in dispute.

Steps to Prevention

  • Always obtain authorization before completing a transaction, regardless of the transaction amount.
  • Stop a transaction if the card is declined.
  • Request for an alternative method of payment.
  • Use accurate and easily recognizable billing descriptors.
  • Train your staff to make clear differentiations between card-present and card-not-present transactions.
  • Use fraud detection tools like AVS (Address Verification Service) and CID (card identification codes).
Justt

Written by

Justt

Explore

blog 6 1

Introducing ChargebackX: The Worldโ€™s First Conference Dedicated to Chargebacks

blog 12 1

Webinar Recap: Building Your Chargeback Management Team: Hiring, Structuring & Scaling for Success

blog-8

Chargebacks strategy in agentic AI e-commerce: why you should prepare today

Apply for this position

Justt
Powered by  GDPR Cookie Compliance
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.