Discover Reason Code NC

What is

Discover Reason Code NC

?

The cardholder says an ATM withdrawal never dispensed cash.

Why this happens

An ATM transaction was logged as successful but the customer says no cash was dispensed.

What this means for each merchant

Only relevant to merchants operating ATMs — the machine's dispense log is the key evidence.

Evidence that typicalls wins this

ATM transaction/dispense log for the specific withdrawal.

How to fight it

Submit the ATM's dispense log showing cash was successfully dispensed.

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Common mistakes

Not retaining ATM dispense logs long enough to respond to a delayed dispute.

How to prevent it

Retain ATM dispense logs for at least your full chargeback window.

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