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Discover Reason Code UA10

Discover Chargeback Reason Code UA10: Request Transaction Receipt for Swiped Card Transaction

Description

Cardholder claims a credit card transaction as fraudulent and the issuer asks for the transaction documentations and initiates ticket retrieval request with this reason code.

Most Common Causes
  • Cardholder’s signatureon the transaction documents did not match with the signature on the back of the card used at the time of purchase at the POS terminal.
  • Cardholder finds the credit card sale as fraud.
  • Merchant did not obtain the authorization from the cardholder while processing the transaction at POS terminal.
  • Credit Card imprint is not legible and/or does not have all the security features.
  • Transaction documents are illegible.
Evidence Required
  • Merchants or acquirers must send response documentation within the timeframe.
  • Transaction Documentation that includes a full and legible print of all security features is required to be embossed on the card and a valid, legible sign of the Cardholder or an Authorized User.
Prevention
  • Merchant should obtain cardholder’s authorization at the time of sale.
  • If electronic machine or the terminal cannot recognize/read the card’s magnetic strip, request authorization by key entering the account number. Be sure the key-entered account number matches the account number on the card. Use a manual printer to print the information from the face of the card at the order receipt that is signed by the cardholder.
  • Suppose the terminal is not working, the merchant in that case should call the center for authorization approval and mention approval code on the order receipt in the space provided. Use a manual printer to print the information from the face of the card at the order receipt that must be signed by the cardholder.
  • If the customer has paid by phone then the merchant should confirm or verify the account number again to the customer.
Common Examples
  1. Linda went to a jewelry merchant to shop for her mother. She made a purchase through a credit card and left the store. After a week, she checks her account to find out that her account has been credited by an enormous amount that she doesn’t recognize. She contacts the merchant to request a refund. Upon no assistance she decides to put a dispute on the charge under the Reason Code UA10: Request Transaction Receipt for Swiped Card Transaction.
  2. George goes grocery shopping where he makes a purchase of around $100. Upon confirmation of the amount and pin request, he simply hits OK. The sales person accidently approves the transaction without getting an authorization or a signature from the customer. After a few days, George looks at his account and is doubtful of making a purchase of such amount and hence puts a dispute on the charge under the Reason Code UA10: Request Transaction Receipt for Swiped Card Transaction.

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Chargeback Prevention