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What Is The Discover Chargeback Reason Code IN – Invalid Card Number
Discover chargeback reason code IN – Invalid Card Number is used when a cardholder disputes a transaction because the card number used was invalid. This can happen due to data entry errors, processing glitches, or even fraudulent activity. If you're a merchant facing this chargeback, you'll need to review the transaction details, gather proof like transaction logs and receipts, and submit this evidence to Discover. The whole process usually takes about 60 to 90 days to resolve, ensuring a thorough and fair review of the situation.
Common Causes Of Discovers' IN – Invalid Card Number
Data Entry Errors: The card number might have been entered incorrectly during a manual transaction, either by the customer or the merchant.
Processing Errors: Technical issues or glitches during the transaction processing might result in an invalid card number being used.
Fraudulent Activity: In some cases, fraudsters may use fabricated or stolen card numbers that are not valid for transactions.
Example Scenario of IN – Invalid Card Number
Imagine you run an online store, and a customer places an order but mistakenly enters an incorrect card number. The transaction goes through due to a processing glitch. Later, the cardholder disputes the charge under reason code IN – Invalid Card Number.
To handle this, you would review the transaction details, gather any relevant records, and submit this evidence to Discover. Additionally, you would investigate the processing error and implement measures to prevent similar issues in the future.
Resolution Time Frame for Discover Chargeback Reason Code IN – Invalid Card Number
The resolution time frame for Discover chargeback code IN – Invalid Card Number typically follows a structured process. Here’s an outline of the typical timeline:
Chargeback Filing: When a cardholder disputes a transaction due to an invalid card number, Discover initiates the chargeback process. This generally occurs shortly after the cardholder reports the issue.
Merchant Response Time: Once the chargeback is issued, the merchant is notified and given an opportunity to respond. Discover generally allows merchants up to 30 days to gather and submit evidence to support their case. This evidence might include transaction logs, sales receipts, and any communication with the customer.
Review and Decision: After the merchant submits their evidence, Discover reviews the information provided. This review period usually takes around 30-45 days. During this time, Discover assesses the validity of the merchant’s evidence and determines whether the chargeback should be reversed or upheld.
Final Resolution: The entire process, from the initial dispute to the final decision, can take anywhere from 60 to 90 days. If the merchant’s evidence shows that the card number was valid and the transaction was legitimate, the chargeback may be reversed. If the evidence supports the cardholder’s claim that an invalid card number was used, the chargeback stands, and the cardholder keeps the funds.
How to Avoid Chargeback Reason Code IN – Invalid Card Number
To minimize these disputes, consider these proactive measures:
Accurate Data Entry: Ensure all card numbers are entered accurately during transactions. Double-check manual entries to prevent errors.
Validation Checks: Implement validation checks in your payment processing system to ensure card numbers are valid before processing transactions.
Fraud Detection Tools: Use fraud detection tools that can help identify and prevent the use of invalid or fraudulent card numbers.
How to Fix Chargeback Reason Code IN – Invalid Card Number
If you receive a chargeback under code IN, here’s what you should do:
Review Transaction Details: Verify the details of the disputed transaction, including the card number used and how the transaction was processed.
Gather Documentation: Collect all relevant documents that can help prove the legitimacy of the transaction. This might include transaction logs, sales receipts, and any communication with the customer.
Submit Evidence: Provide this evidence to Discover promptly. Clearly explain the situation and provide documentation showing the transaction details and any steps taken to address the issue.
Correct Processing Practices: Review and, if necessary, update your transaction processing practices to ensure card numbers are entered and validated correctly.
