Discover RG quick reference: Discover's equivalent of Visa 13.1 — cardholder claims non-receipt of purchased goods or services. Merchant has 30 days to respond.
Cardholder's claim
"I paid but never received the goods or services."
Discover RG covers non-receipt disputes. Standard delivery-proof evidence stack applies. Discover's response window is similar to Visa's, and their rules on Compelling Evidence differ — check the current Discover Network Dispute Rules.
Response deadline
30 days to submit representment. From the chargeback date.
Common triggers
- Package delayed
- Package marked delivered but not found
- Digital goods not provisioned
- Friendly fraud
Required evidence
Delivery proof
Carrier tracking + POD to AVS address.
Fulfillment record
Timestamped shipping records.
Customer communication
Shipping/delivery notifications.
Typical win rates
| Scenario | Win rate | Notes |
|---|---|---|
| Physical + delivery proof | 60–75% | Standard baseline |
| Digital + access proof | 35–50% | Harder without physical proof |
Win rates reflect Aurai's own book across Stripe, PayPal, and Shopify Payments as of July 2026, plus public MRC Global Fraud Survey 2024 baselines. Your results will vary.
Related reason codes
13.1Visa
Merchandise/Services Not Received
Cardholder claims they paid for merchandise or services but never received them by the expected delivery date. The most common ecommerce reason code.
4855Mastercard
Goods or Services Not Provided
Mastercard's equivalent of Visa 13.1 — cardholder claims they paid but never received goods or services.
C08Amex
Goods/Services Not Received or Only Partially Received
American Express equivalent of Visa 13.1 — cardholder claims they didn't receive what they paid for.
Frequently asked questions
What does Discover RG mean?
Discover RG is the reason code for "Non-Receipt of Goods, Services, or Cash." Discover's equivalent of Visa 13.1 — cardholder claims non-receipt of purchased goods or services.
What's the response deadline for Discover RG?
Merchants have 30 days to submit representment. From the chargeback date.
What evidence is required to fight Discover RG?
Delivery proof, Fulfillment record, Customer communication. Full detail in the Required evidence section above.
Can Aurai handle Discover RG automatically?
Yes — Aurai detects the reason code, assembles the specific evidence stack for it, and submits before the deadline. 25% only on disputes we win.
Reason code details reflect the current Discover rules as of July 2026 and may change. Discover is a trademark of its respective owner. Aurai is independent and not endorsed by Discover. Always check the current official rules before acting on any specific tactic.