Visa flagged the transaction under the Fraud Monitoring Program, and the issuer has not filed a chargeback under another reason code. Consider using all the tools available to you—including Visa Secure, card security code (CVV2), and Address Verification Service (AVS). Mastercard Chargeback Reason Code 4849: Questionable Merchant Activity. 11, 2 November 2015, Revised2. This period starts from the day the transaction was initiated and completes on the last day of the 120th day from then. 4853 – Cardholder Dispute:. To generate a chargeback, the issuer must submit the First Chargeback / 1442 message with the applicable message reason. Also, Ethoca Alerts only notify you of chargebacks that occur within the alert. A reason code or a chargeback reason code is a string of symbols (numbers and letters). Understanding the chargeback process and the reason codes is crucial for effectively managing these situations. MasterCard Chargeback Reason Code 4849 — Questionable Merchant Activity. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “ANCheck this out to understand chargeback codes covered by 3D Secure. 1 Proper Use of Message Reason Code 4849. The third digit indicates the specific reason within that category. Chargeback reason code. There are a number of chargeback reason codes that are dedicated specifically to transaction errors. This means that it will require merchants to provide evidence supporting their claim that a transaction was authorized by the cardholder. Chargeback reason code 4849 applies to transactions that are listed in Mastercard Announcements under GMAP. 2: Canceled Recurring Transaction, and those disputes would still go through the normal chargeback process. UA01 Fraud – Card Present Transaction. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). Reason codes differ by card brand (Visa, Mastercard); a complete list can be found here. You double and triple check your customer service records to see if the customer wrote in about the shipment (they haven’t), you check the tracking. Chargeback Representment. Some Mastercard reason codes (4808, 4870, and 4871) proceed directly to arbitration if the issuer does not accept the merchant's representment. Our Address US Head Office 51 Pleasant St # 1072, Malden, MA 02148 UK Head Office. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. Code. Explaining Mastercard Reason Code 4859 - No Show/Addendum/ATM Dispute. Reason Code 4849—Questionable Merchant Activity as announced in the Global Operations Bulletin No. "Acceptable Reason Codes" has the meaning set out in section 2. 4849 – Questionable Merchant Activity: 120 days. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly from a Mastercard compliance determination. September 2011: 5. Reason Code North-America: Canada and United States of America; Reason Code: All other countries;. On that note, below are some vendor missteps that could result in Visa reason code 13. The reason_description field lists the chargeback reason. These chargebacks occur to resolve chargeback-related disputes between network members. Chapter 3—Single Message System ChargebacksChargeback Message Reason Code 4901. The most popular type of disputes of the chargeback category. 15% - the number of chargebacks initiated by cardholders due to retailers shipping the wrong product. 4. Credit card chargeback reason codes broken down by Mastercard, Discover and American Express Visa chargeback reason codes. 5, 16 May 2016. WEX began issuing chip cards in Q4, 2020. 4849: Questionable merchant activity. The merchant is added to the Questionable Merchant Audit Program. Chargeback Reason Codes List for Mastercard Chargeback Code Chargeback Reason 4801 Requested Transaction Data Not Received 4802 Requested / Required Information Illegible or Missing 4807 Warning Bulletin File 4808 Requested / Required Authorisation Not Obtained 4812 Account Number Not on File 4831 Transaction Amount Differs 4834 Duplicate. Auto Write Off. 3. Khalil Feki. Reason codes are important to help merchants address recurring. Common reason codes Mastercard. The Complete Chargeback Reason Codes List. A chargeback is filed for this reason when an acquirer bank processed a transaction for a credit card accepted and later recognized in the list of Mastercard violation. To file under this reason. Reason codes. Processing Errors involve chargeback and disputes revolving around processing issues, late presentment, credit processed as charge, invalid card numbers, no show errors, incorrect charge amounts. Include any terms relevant to the transaction, including return, cancellation and. It balances out the process and gives merchants the much-needed opportunity to influence the progression of a dispute before it becomes a fully-fledged chargeback. Visa has recently announced changes to its chargeback rules. 3. 2: Cancelled recurring transaction: VCR Dispute Reason Code 13. Merchants. ©What Are the Different Chargeback Reason Codes? There are over 100 chargeback reason codes. You can learn more about each one by visiting the Mastercard Chargeback Guide. 3. Time Limit (Issuer/Cardholder) 30 Days. 4812. 00: The amount of the transaction. Recent Posts. This chargeback may also be filed against acquiring banks who process a transaction for a merchant that turns out to be listed in a Mastercard Global Security Bulletin for violating their restrictions under GMAP or QMAP. Reason Code. Reason Code: Numeric: Code for the chargeback request (see below). Reason Code 4849—Questionable Merchant Activity as announced in the Global Operations Bulletin No. Card Type Reason Code Reason Text Chargeback Category Preventable Reversible MASTERCARD 4802 Requested/Required Item Illegible or Missing Request for Information YES YES MASTERCARD 4803 Documentation received was invalid/incomplete. To help simplify things, we’ve compiled a list of chargeback codes used by the four major card networks: Visa, Mastercard, American Express, and Discover. But, it could be up to 540 days, in some. 7 Violation for Coercion Claim . Updated August 23, 2023. About Mastercard chargeback reason codes. Message. Spot these types of chargebacks using the below reason codes. ”. VCR Dispute Reason Code 10. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly from a Mastercard compliance determination. Updated the following columns - card type, response due date. reason code information. This provided a number of insights into the typical. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “AN60. For first chargebacks, Mastercard currently only has 9 reason codes in use, with a few others in the process of being phased out. Visa has recently announced changes to its chargeback rules. Protect stored cardholder data. Prevention strategy: Implement EMV chip card technology to reduce the risk of fraudulent card-present transactions. 4846 — Incorrect Currency Code. 4853 – Cardholder Dispute – Credit Not Processed. MASTERCARD 4849 Questionable Merchant Activates Fraud YES NOView the entire list or search for any chargeback reason code. June 26, 2023. Acquirer Use of Message Reason Code 7623. These reason codes are divided into three categories depending on the supposed cause of a chargeback: consumer disputes, processing error, or fraud. Chargeback Message Reason Code 4901. Reason code: Explanation: 11. 1 - Card Recovery Bulletin. The actual underlying cause of this chargeback is usually either true fraud or friendly fraud. 3 Fraud – Card-Present Environment. This summary reflects changes effective since the last update of this publication. ”. Company. 2 Compliance Cases“Visa has 28 different reason codes. Authorisation. What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. These mandates often involve changes to the transaction process, the addition or removal of certain chargeback reason codes, or changes to the various phases and deadlines involved in the chargeback process. MasterCard has established different reason codes that categorize chargebacks, including fraudulent activity, authorization and processing errors, and customer disputes. 3: Not as Described. Encrypt transmission of cardholder data. Mastercard issuers use merchant advice codes to respond to authorization requests, and as a communication tool with merchants regarding a cardholder's account. Technical. Mastercard Chargeback Reason Code 4859: Addendum, No Show, or ATM Dispute. Corresponding Retrieval Reference Numbers mapped for the same Card Number and ARN in Chargeback application. 4837 — No Cardholder Authorization. Whenever a chargeback is initiated, a code is passed through from the issuing bank that gives a reason for the dispute. An issuer can initiate a first chargeback when the circumstances of the transaction meet the requirement of a chargeback reason code described in the Chargeback Guide. In some cases, errors can be resolved and reversed, but there is no equivalent to chargeback representment when it comes to ACH. Having a Lax Attitude Toward Industry Rules & Regulations. Shift (Reason Code 4871) section. Understanding chargeback reason codes is one of the most essential parts of effective chargeback management. Merchants. Time Frames and Requirements > Improper Identification of a Merchant as Mastercard SecureCode-enabled Chapter 6—Mastercard Merchant Presented QR See full list on chargebackgurus. 195 Acquirer Use of Message Reason Code 7627-No MAC Provided. Knowledge of such codes can help businesses file a chargeback dispute successfully. In such circumstances, networks like Mastercard may allow consumers to reverse such a transaction by filing a chargeback. View the entire list or search for any chargeback reason code. Correct Transaction Currency Code Not Provided: 4849: Questionable Merchant Activity: 4853: Cardholder Dispute: Defective/Not as Described: 4854: Cardholder Dispute: Not Elsewhere. Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction. The network hasn't wholly disallowed some old codes. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. MasterCard Chargeback Reason Code 4849 - Questionable Merchant Activity. Reason Code Number. 4807 – Warning Bulletin File. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. Despite concerns about increased friction, every merchant should deploy 3-D Secure at checkout. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. For defective or “Not as Described” reason codes. MasterCard time limits vary depending on the applicable reason code. The chargeback reason code. Visa Chargeback Reason Codes Mastercard Chareback Reason Code; 30: Services Not Provided or Merchandise Not Received 57: Fraudulent Multiple Transactions 62: Counterfeit Transactions 81: Fraud- Card-present environment 83: Fraud- Card-absent environment 13. The transaction was recurring and the cardholder failed to meet the cancellation terms of the. 120 Days. The shorthand description is “Correct Transaction Currency Code Not Provided. UA06 Fraud – Chip and PIN Transaction. Description of Change Where to Look Incorporated the changes annoChargeback Reason Codes The Ultimate Guide; BIN Lookup Find a Card's Issuing Bank; ROI Tool The Cost of Chargebacks; Resource Hubs. But research by Javelin found that merchants dispute 43% of all chargebacks and succeed at 60% of those disputes. About Careers Contact. Here’s a comprehensive list of Mastercard chargeback reason codes that you might see on your screen: 4807: Warning Bulletin File. See Full PDF Download PDF. Typical chargeback reason codes are: DA: Disputed amounts. MasterCard Chargeback Reason Code 4849 - Questionable Merchant Activity. Mastercard has been issued a global liability shift program for ecommerce transactions. Specify the default reason code to. Representment Documentation. Credit card chargeback reason code: Type: Varchar; Unique: No; Blanks: Yes; Max length: 64 characters; Unique identifier which distinguishes the nature/reason of credit card chargeback reported. message. Once you receive this notification, you have 11 days to submit a response. As we touched on earlier, chargebacks can happen due to technical errors. Enter the code that identifies the reason that a chargeback was generated for an invoice during receipt entry. 11, 2 November 2015, RevisedCombined the Authorization-related Chargebackssection into chargeback reason code 4808(Authorization-related Chargeback) as announcedin the Global Operations Bulletin No. In simple terms, Mastercard Chargeback Reason Code 4859 — No Show/Addendum/ATM Dispute refers to situations where a customer claims the services purchased from a merchant were not fulfilled. Summary of Changes, 13 December 2018 The following are changes with the most recent publication of this document. EN. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. Chargeback Reason Codes; Chargeback Reason Codes. There are dozens of reasons why cardholders and issuers dispute transactions. Download this sample Chargeback Rebuttal Letter. 6). In this article, we'll cover some of the major changes that Mastercard has made to chargebacks in recent years, starting with. . Reason Code 4849—Questionable Merchant Activity as announced in the Global Operations Bulletin No. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. These symbols stand for reasons why a financial institution may file a credit card chargeback from their client’s name. Mastercard Chargeback Reason Code 70: Chip Liability Shift. A reason code helps explain why a transaction was disputed. However, they don’t address the reason why that chargeback was issued in the first place. Learn the details, the cause, how to respond and how to prevent Mastercard Reason Code 4849 Rule 3. Description of Change Where to Look Incorporated the changes annoThese are only a handful of common Visa chargeback reason codes. The reason codes help merchants understand the reason for particular chargebacks and better tailor their responses to chargebacks. 1 - Card Recovery Bulletin. 4: Fraud—Card-Absent Environment. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “AN4849: Questionable Merchant Activity: 4854: Cardholder Dispute - Not Elsewhere Classified (U. Other reason codes address entirely understandable reasons for cutting a. Below you will find the reason codes for the dispute events Chargeback, Request for Information (RFI), and Notification of Fraud (NOF). Also, just like American Express, Discover functions as both a card network and an. Chargeback Message Reason Code 4901. One catch is that CE3. Unauthorized returns (R05, R07, R10, R29, R51): 0. 15, 2021. S. Chargeback Reason Codes Fraud – Card-Not-Present (CNP) Network Reason Code Bank Initiation Timeframe Accel 81 120 calendar days from transaction processing date American Express FR2, F14, F24, F29 120 calendar days from transaction processing date Discover 4752 AA, 7030 UA02 Within 30 calendar days from the close date of the TRRThe chargeback reason codes were created to standardize the list of acceptable reasons a bank may submit a card chargeback or a direct debit chargeback on behalf of its customer. 4853 – Cardholder Dispute – Goods or Services Not as Described or Defective. Reason Code North-America: Canada and United States of America; Reason Code: All other countries;. Nachstehend haben wir für Sie die häufigsten Ursachen mit ihren sogenannten Reason Codes aufgelistet. If the dispute is deemed valid, the bank or credit union proceeds to issue a chargeback to the merchant. Most reason codes apply to any merchant, regardless of what’s being sold. Reason codes are just what they sound like, an identification code used to categorize why a transaction is being refuted by the card holder. Step 1: The cardholder disputes a charge. Deferred Chargeback Raise: 128: Chargeback on Fraudulent Transaction: Fraud Chargeback Raise:removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly from a Mastercard compliance determination. Chargeback Reason Codes / Mastercard / 4849 – Questionable Merchant Activity – Global Merchant Audit Program (GMAP) Dispute Code 4849 Category Fraud Message System Dual Message System DESCRIPTION Why did I receive this chargeback? You are listed in a Mastercard Announcement under the Global Merchant Audit Program (GMAP). Incorrect Currency Code: 120 days: 4849:. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. 4849 – Questionable merchant activity. 5%. Code. 5 Visa Fraud Monitoring Program. 11, 2 November 2015, RevisedChargebacks. However, the 30 day waiting period can be waived if you’ve. American Express chargeback reason code C02 falls under the “Card Member Disputes” category. Each chargeback claim is given a reason code, which helps explain to merchants the reason for the dispute. 4859 — No Show/Addendum/ATM Dispute The cardholder. Chargebacks911 offers the most comprehensive chargeback management system available, backed by the industry's only performance-based ROI guarantee. The cardholder claims either that the merchandise was never received, or the services purchased were not provided. Mastercard has been issued a global liability shift program for ecommerce transactions. The merchant is added to the Questionable Merchant Audit Program. MasterCard 4849 Questionable Merchant Activity<br />. It is subject to change and may not include every currently known dispute reason code. There are no format changes to the sales file specification; there are additional values added to the sales file to designate chip card transactions. Visa chargeback reason codes. Reason code 53 is typically used when a cardholder received merchandise or service that was defective, damaged, or not as described, while reason code 85 is used when credit was not processed to the. During this process, the representative of the institution examines the reasons’ list. Time Limit. But, merchants should be aware that, eventually, everyone will be required to use the new designations. 4870 – Chip Liability Shift. Specifically, it has introduced a Compelling Evidence requirement for disputes falling under the Visa CE/30 chargeback reason code. Each card issuer follows their own standards for defining reason type, code and its format. Solution. A chargeback is filed for this reason when an acquirer bank processed a transaction for a credit card accepted and later recognized in the list of Mastercard violation. The answer is both “yes” and “no” because it depends on the chargeback reason code. While the format of chargeback reason codes varies depending on the card network, all codes are alphanumeric. Reason Code 4849—Questionable Merchant Activity as announced in the Global Operations Bulletin No. Reason Code. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related Chargebacks section, Chip/PIN. S Region only) 4863: Cardholder Does Not Recognize - Potential Fraud (this reason code will be retired as a part of the 20. MDR also retired reason code 4840 – Fraudulent Processing of Transactions. The Chargeback Reason Codes specifies the fraud, expired card, defective merchandise, differ amount and many others. Merchants also leave themselves open to friendly fraud. The role your bank or credit union plays in the chargeback process. Ensure that the digits of the. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “AN The time limit for issuers to instigate a first chargeback are calculated based off the Central Site Business Date (the processing date of the first presentment) and are usually 60, 90, or 120 days in duration. While there are reason codes related to processing errors that cause disputes, the majority of reason codes result from a cardholder disputing a charge. 10. In the case of friendly fraud, that reason could be completely invalid and. In simple terms, VCR introduced five definitive changes to the dispute resolution process: The timeframe for merchant response was shortened from 45 days to 30 days. There are dozens of reasons why cardholders and issuers dispute transactions. ’chargeback: The buyer filed a chargeback with the credit card issuer. Always swipe the card once in the direction of the arrow shown on the reader. While you obviously don’t want customers to cancel their service, a cancelation is far better than a chargeback. Below are the top causes of chargebacks including the reason codes established by leading credit card companies: Customer Dissatisfaction: Cardholder did not receive the. 120 calendar days after the service. Get your complete guide to the new Visa reason codes, including all the detailed information, chargeback time limits, and other important information you need. WEX has repurposed chargeback reason code 10 to indicate EMV chargebacks. Leave a reply Cancel reply You must be logged in to post a comment. Visa Claims Resolution is a Visa-specific platform that seeks to declutter and streamline the consumer dispute and chargeback resolution process. This reason code is accompanied by a fraudulent reason code (UA). MasterCard chargeback reason codes are a set of four digits beginning with the 48xx. Card Issuer. 16, 2021. Despite all the rules and guidelines, the outcomes of the chargeback process can be, at times, subjective, and can vary based on the scenario, merchant payment. Overall returns (all codes): 15%. Cardholders can dispute digital goods transactions of $25 or less (or the equivalent in local currency) if certain purchase controls were not put. Did not issue a credit, because it does not accept returns, but did not properly disclose its return policy. Step 1: The cardholder disputes a charge. 5%. MasterCard time limits vary depending on the applicable reason code. Also, just like American Express, Discover functions as both a card network and an. Reason Code 4849—Questionable Merchant Activity as announced in the Global Operations Bulletin No. . What stands out about the Discover reason codes list, though, is most of the codes are alphabetically-noted rather than numeric. Chargeback Message Reason Code 4901. The transaction amount and authorization number (ARN. Get your complete guide to Mastercard reason codes, including all the detailed information, chargeback time limits, and other important information you need. The merchant is listed on the Global Merchant Audit Program. removing certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly from a Mastercard compliance determination. When a customer who's enrolled with 3-D Secure from their bank initiates a purchase, the tool will deploy during the. Most Common Chargeback Reason Codes #3: Order Significantly Not as Described. Reason codes are alphanumeric codes that provide the justification for granting a chargeback. All cardholder data must be encrypted, truncated, or tokenized; account numbers can only be partially displayed. If you believe you have received an ACH return in error, you can contact your bank. Issuers must not initiate a chargeback for magnetic-stripe (POS Entry Mode value of 90 or 02) transactions on non-chip enabled cards. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “AN Acquirer Use of Message Reason Code 7623. Chapter 3—Dual Message System Chargebacks Added the Valid Chip/PIN Transaction table within the Fraud-related. The following is an inside and out diagram of reason codes for Visa, MasterCard, Discover & Amex alongside their depiction. At Visa they used to receive reason code 98. 1: goods not received. Duplicate Processing. txt) or read online for free. AMERICAN EXPRESS; CODE: DESCRIPTION: A01: Charge Amount Exceeds Authorization Amount. 11, 2 November 2015, RevisedTry Shopify free for 3 days, no credit card required. If one member believed the other violated a Visa rule when handling a chargeback, they filed a pre-compliance chargeback for compensation. By entering your email, you agree to receive marketing emails from Shopify. ©What is Mastercard chargeback reason code 4871? Mastercard chargeback reason code 4871 falls under the “Fraud” category. For perspective, the next highest. Mastercard Chargeback Reason Code 73: Duplicate Transaction. The cardholder may be the customer or the someone who lent their card to a friend or relative. 4 disputes through Verifi’s Order Insight®, which ChargebackHelp clients are integrated with already under CBH+Deflect . If the acquirer bank lost data file. Mastercard chargeback reason code 4853 falls under the “Cardholder Disputes” category. Used when: The merchant processed the transaction more than once, causing the cardholder to be debited twice for the same transaction or the cardholder paid for a transaction using one form of payment and was The Mastercard chargeback reason codes were condensed down in 2016, like the process that Visa just underwent with Visa Claims Resolution. Identity theft and account breaches in which the merchant is the victim, for example, fall under reason codes 01, 02, and 14. Mastercard. MasterCard Chargeback Reason Code 4849 - Questionable Merchant Activity Description. A chargeback happens when a customer requests for a transaction to be. 0: Changed report name from Downloadable Dispute Report to Case Report. 4849 Questionable merchant activity; 4850 Credit posted as a purchase; 4853 Cardholder disputes - Services / merchandise. If you receive a chargeback under Reason Code 85, you will need to provide evidence that the credit was processed in order to dispute the chargeback. Products. 4849. The agency must provide this documentation to Vantiv (via mail, fax, online/scanning) within 30 calendar days after the report date on the Visa/MasterCard. Shift (Reason Code 4871) section. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “ANremoving certain restrictions from chargeback reason code 4849 that will allow issuers to exercise their chargeback rights resulting directly from a Mastercard compliance determination. Corrected the calendar days for theThose reasons are explained through the corresponding reason codes. A credit card chargeback is when a bank returns money to you because a credit card charge was fraudulent or you bought something online that wasn’t delivered or was. 4863 – Cardholder Does Not Recognize/Potential Fraud. message. The issuing bank will then pass on the chargeback to the merchant. STAR Chargeback Reason Codes; Visa Chargeback Reason Codes; Network Limits; Published BIN Files; 🧭 Best Practices. Chargebacks Explained;. 1: Services not provided or merchandise not received: VCR Dispute Reason Code 13. There may be exceptions in some cases, so it is always best to check with your specific card issuer to be sure. A chargeback reason code is a 2-to-4-digit alphanumeric code provided by the issuing bank involved in a chargeback, which is meant to identify the reason for the dispute. Reason Code. 11, 2 November 2015, RevisedChargeback Expertz is a Detailed Risk Management Company helping Retail and Online Merchants. Discover chargeback reason codes are divided into three categories: service disputes, processing errors, and fraud. PCI DSS v3. 1 EMV Liability Shift 10. Another downside is that chargebacks on annual subscriptions. 3. 02/10/16 Added Debit Chargeback Reason Codes. MasterCard chargeback reason code 4540. Shift (Reason Code 4871) section. The Visa chargeback reason codes system underwent a major overhaul in April 2018 as part of their new Visa Claims Resolution (VCR) initiative. Visa Chargeback Reason Codes; MasterCard Chargeback. 4849 Questionable merchant activity; 4850 Credit posted as a purchase; 4853 Cardholder disputes - Services / merchandise. 6: Credit not. 2. Company. Fraud-related Chargebacks > Questionable Merchant Activity Chapter 3—Single Message System Chargebacks Incorporated the changes announced in “ANAcquirer Use of Message Reason Code 7623. Chargeback reason code 4849 applies to transactions that are listed in Mastercard Announcements under GMAP. 4849: Questionable merchant activity. Thanks for following the Chargeback Gurus blog. The cardholder may be the customer or the someone who lent their card to a friend or relative. Chargeback Reason Codes Page 2 of 5. ONE reason code is an alphanumeric code selected from a fixed list by the issuing bank to indicate the reason of cardholder gave for requesting a chargeback. When MasterCard lists the Acquirer and Merchant information in a Global Security Bulletin, Issuer chargeback rights will apply. For example, the dispute reason “Cardholder Does Not Recognize” is denoted under the Discover reason codes system as “AA. 4: “Other Fraud. For example, some reason codes offer cardholders over a year to file. The reason code used to describe the dispute will determine the chargeback time limit. Blog. 4849 – Questionable Merchant Activity; 4863 – Cardholder Does Not Recognize—Potential. Reason code 83 represents a chargeback categorized as. Mastercard Chargeback Reason Code 4855: Goods or Services Not Provided.