Discover Card - Code EX
Definition: What this service dispute means is that the card holder or the card issuer is actively challenging the validity of a specific card sale because at the time of the authorization request for the card sale, the card in question had been expired. In this case, the issuer is in charge of providing valid and legible proof that shows that the card was in fact expired at the time of the card sale.
Explanation: Card was expired.
How to prevent this Chargeback: In order to prevent this type of charge back from occurring, you should check the expiration date of every credit card that you authorize, and utilize proper documentation efforts so that you can prove that a card was not expired if a dispute like this ever comes up.
How to resolve this Chargeback: In order to resolve this type of chargeback, you should provide any supporting documents which can show that the card in question was not expired on the date that the authorization request was approved.
Tips: When processing credit card transactions, it would benefit you to verify the expiration date of every card before processing it. Additionally, in order to protect yourself and your customers, you should obtain proper authorization for every credit card that you run.
