Discover RM quick reference: Discover's equivalent of Visa 13.3 / Amex C31 — cardholder received the item but disputes quality. Merchant has 30 days to respond.
Cardholder's claim
"The quality of what I received doesn't match what was advertised."
Discover RM covers quality-of-goods disputes. Evidence needs mirror Visa 13.3: listing at time of purchase, QC records, return-policy proof, and cardholder remedy-refusal.
Response deadline
30 days to submit representment. From the chargeback date.
Common triggers
- Genuine quality issue
- Buyer's remorse
- Misleading listing
Required evidence
Listing at purchase
Screenshot from the transaction date.
QC records
Pre-shipment inspection.
Return policy
Displayed at checkout.
Remedy offer log
Support tickets where remedy was offered.
Typical win rates
| Scenario | Win rate | Notes |
|---|---|---|
| Clear listing + no return attempt | 50–70% | Well-represented case |
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
13.3Visa
Not as Described or Defective Merchandise
Cardholder received the item but claims it was defective or materially different from what was advertised.
C31Amex
Goods/Services Not As Described
Amex equivalent of Visa 13.3 (defective / not as described) — cardholder received the item but claims it doesn't match the description.
C32Amex
Goods/Services Damaged or Defective
Amex equivalent of the defective portion of Visa 13.3 — cardholder received the item but claims it was damaged or defective on arrival.
Frequently asked questions
What does Discover RM mean?
Discover RM is the reason code for "Cardholder Disputes Quality of Goods or Services." Discover's equivalent of Visa 13.3 / Amex C31 — cardholder received the item but disputes quality.
What's the response deadline for Discover RM?
Merchants have 30 days to submit representment. From the chargeback date.
What evidence is required to fight Discover RM?
Listing at purchase, QC records, Return policy, Remedy offer log. Full detail in the Required evidence section above.
Can Aurai handle Discover RM 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.