MasterCard Reason Code 4849

Mastercard Chargeback Reason Code 4849: Questionable Merchant Activity

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Description

Mastercard has been issued a global liability shift program for ecommerce transactions. A chargeback is filed under this reason when an acquirer bank processed a transaction for a credit card accepted and later recognized in the list of Mastercard violation.

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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 lister in the Global Security Bulletin under Global Merchant Audit Program (GMAP).
• The issue is not resolved within time frame specified in the procedure manual and in security rules.
• The issuer did not report the transaction under SAFE within time frame.
• The transaction is not processed within the specified period in merchant agreement.

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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 situation requires any other reason, the issuer must process the arbitration chargeback using the proper reason code.
• If the acquirer bank lost data file requested submit the form found in the back of the procedure manual and security rules.

Common Examples:

1. None.