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Discover Reason Code UA06 Fraud/Chip-and-Pin Transaction

Disputeโ€‹

Discover

Card Issuer Name

UA06

Reason Code

Fraud

Category

Claim

The cardholder possesses a PIN-preferring credit card, but your POS is either not PIN-enabled or allows the shopper to bypass the PIN entry.

Cause

  • The merchant didnโ€™t use a chip-and-PIN compatible terminal or was convinced to bypass the PIN requirement.
  • A fraudster completed the payment.

Response

Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant.
Merchants have 30 days to respond to the claim in dispute.

Steps to Prevention

  • Upgrade to EMV-compliant terminals.
  • Acquire the necessary authorization before completing the transaction.
  • Use cardholder verification methods like PINs and signatures for transactions.
  • Train staff on the proper POS procedures.
Justt

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Justt

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