Discover Card - Code NA
Definition: What this service dispute means is that the issuer is actively disputing a card sale because an authorization response was not obtained by the merchant, and therefore the issuer is unable to collect the amount of the card sale from the card holder involved in the transaction.
Explanation: No authorization obtained.
How to prevent this Chargeback: In order to prevent this type of situation from escalating into a chargeback request, it is important for you to obtain an approved authorization response for each and every credit card transaction that you process. If you are unable to receive authorization for a particular transaction, protect yourself by refusing to accept the card.
How to resolve this Chargeback: In order to resolve this type of chargeback if you did obtain an approved authorization request, you must be able to provide documentation that proves that proper authorization was obtained and that there is no reason why the amount of the card sale cannot be collected from the card holder.
Tips: Everyone is benefited when you check identification and obtain authorization for every credit card transaction that you process. This way, not only will your customers be protected when you ensure that only the card member is actually using the card, but you will also protect yourself from charge backs or even potential fraud.
