Discover Chargeback Reason Code
Discover Reason Code 4864: Non-Receipt of Cash From ATM
Category ATM or Cash DisputesBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
Discover exception code documented through the cited processing documentation. Available codes and descriptions may vary by processor, acquirer, program, region, and current Discover Network rules.
This directory contains Discover exception codes verified through the cited processing documentation. Available codes and descriptions may vary by processor, acquirer, program, region, and current Discover Network rules.
What Discover Reason Code 4864 Means
Discover reason code 4864 identifies a dispute in which the cardholder claims they were charged for an ATM withdrawal but did not receive the cash, or received less than the amount debited.
Why This Chargeback Happens
This dispute commonly occurs from ATM malfunctions, dispensing errors, or discrepancies between the amount debited and the cash actually provided.
What the Cardholder or Issuer Is Claiming
The cardholder claims cash was not dispensed, or was only partially dispensed, for the disputed ATM transaction.
What Merchants Should Review
Review the ATM transaction logs, the dispense records, and any reconciliation showing whether the machine balanced correctly for the disputed withdrawal.
Recommended Chargeback Evidence
- ATM transaction and dispense logs for the withdrawal
- Cash reconciliation or balancing records for the terminal
- Records showing the machine functioned correctly
How to Prevent Similar Disputes
ATM cash disputes may be reduced by maintaining accurate dispense logs, monitoring terminals for malfunctions, and reconciling cash balances promptly to resolve discrepancies.
Important Limitations
This page is educational and reflects commonly documented usage. Discover dispute rules, timelines, and evidence requirements change over time and may vary by processor, acquirer, program, and region. Merchants should confirm current requirements with their acquirer or processor before responding.
Related Reason Codes
Sources and Review Information
Last reviewed July 17, 2026
Chargeback rules, evidence requirements, and response options may vary by card network, region, processor, and dispute circumstances.