NF – Non-Receipt of Cash from an ATM


Reason Code

NF

Category

Service Dispute

DESCRIPTION

Why did I receive this chargeback?

The cardholder claims not to have received cash from an ATM withdrawal.


TIME LIMIT

How long can the issuer wait to file a chargeback?

The maximum amount of time that can pass between the transaction processing date and the chargeback processing date is 120 calendar days.

However, the timeline may be extended if the issuer first submitted a retrieval request. If the retrieval request process finishes after the 120 day deadline, the issuer will have an additional 30 days to file a chargeback.


FIGHT

What compelling evidence is needed to respond?

Examples of compelling evidence that you may submit in response to a chargeback with this reason code include:

  • Proof that the cardholder did receive cash
  • Proof that the chargeback is invalid because it doesn’t adhere to Discover’s requirements
  • Proof you have already refunded the transaction and credited the cardholder’s account

PREVENT

How can I avoid this chargeback in the future?

  • Always respond to retrieval requests on time and with the required information. 
  • Reconcile ATMs promptly.
  • Adjust out-of-balance ATMs.
  • Process a credit as soon as possible if you notice a discrepancy.

Reason Codes by Brand

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