MasterCard Chargeback Reason Code 4849 - Questionable Merchant Activity

Description

Mastercard has been issued a global liability shift program for ecommerce transactions. 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.

Most Common Causes

The merchant:

• The transaction falls under the Global Security Bulletin of Mastercard.
• The acquirer name, acquirer ID, merchant name and its location are listed in the Global Security Bulletin under Global Merchant Audit Program (GMAP).
• The issue is not resolved within the time frame specified in the procedure manual and in security rules.
• The issuer did not report the transaction under SAFE within the time frame.
• The transaction is not processed within the specified period in merchant agreement.

Evidence Required

• If the first chargeback was correct and the acquirer bank failed to change the dispute properly, the issuer may continue the chargeback with the same reason code originally processed.
• If the acquirer bank lost data file requested submit the form found in the back of the procedure manual and security rules.
• If the situation requires any other reason, the issuer must process the arbitration chargeback using the proper reason code.

Prevention

• Process all the transactions at hybrid terminals.
• If found counterfeit fraud reports it to SAFE product user guide of Mastercard.
• Keep a record in a chip transaction and authorization message request should be approved by the issuer.
• Time frame for these chargebacks is 120 calendar days from the Global Security Bulletin publication date.
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