Discover Reason Code UA05

What is

A counterfeit card was used in a card-present transaction.

A cloned/counterfeit card was used at a physical terminal.

Card-present only, rarely relevant to pure online storefronts.

Terminal transaction log showing how the card was read.

Submit the terminal's transaction log showing the read method used.

Trusted by over 6,000+ companies

Still relying on magnetic-stripe fallback at EMV-capable terminals.

Disable or restrict magnetic-stripe fallback on EMV-capable terminals where possible.