Discover Card - Code IS
Definition: What this error dispute means is that either a card holder or an issuer is disputing a specific card sale because the sales data which was received as a response to a ticket retrieval request did not include a card holder signature that was both legible and valid. The issuer is in charge of providing proof that is valid and legible and shows that the sales data truly does not display a signature from the card holder at any time.
Explanation: Signature is missing.
How to prevent this Chargeback: In order to prevent this type of chargeback it is necessary to make sure that the sales data that you provide when responding to a ticket retrieval request does in fact contain a signature from the card holder which is both legible and valid.
How to resolve this Chargeback: In order to resolve this type of chargeback, you need to dispute the claim of the issuer by providing supporting documents, one of which is the sales data containing a valid and legible signature from the card holder in question.
Tips: Responding to retrieval requests by providing necessary media is always the first step in resolving disputes. However, if the sales data you provide is invalid or illegible, you may actually cause more difficulty for yourself in the long run. Make sure that all of your sales documents and data are legible and that you obtain a legible and valid signature for every credit card transaction that you process.
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