Discover Chargeback Reason Code
Discover Reason Code 4867: Fraud – Chip Card and PIN Transaction
Category FraudBy 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 4867 Means
Discover reason code 4867 identifies a fraud dispute involving a chip-and-PIN transaction, typically under EMV liability-shift rules when a chip-and-PIN transaction was not processed as required.
Why This Chargeback Happens
This dispute commonly occurs when a terminal did not support or correctly process chip-and-PIN verification, shifting liability under applicable EMV rules for a fraudulent transaction.
What the Cardholder or Issuer Is Claiming
The issuer claims the transaction was fraudulent and that liability shifts because chip-and-PIN was not processed as required.
What Merchants Should Review
Review the terminal's chip-and-PIN capability, the verification method used, and whether the transaction was processed in accordance with EMV requirements.
Recommended Chargeback Evidence
- Terminal records showing the verification method used
- Proof chip-and-PIN was supported and processed correctly
- Documentation of EMV compliance for the transaction
How to Prevent Similar Disputes
Chip-and-PIN fraud disputes may be reduced by using terminals that support required verification methods and ensuring transactions are processed according to EMV rules.
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.
Relevant Payment Defender Products
Fraud Signal™
Fraud Signal™ may help merchants monitor fraud claims and trends associated with chip-and-PIN disputes.
Explore Fraud Signal™
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.