Reason code

This code is used when a merchant submits a transaction to Discover beyond the allowable timeframe for processing. Timely submission is crucial to ensure transaction validity and to avoid disputes related to late presentment.

To best way to address a chargeback under reason code 4542:

• Review Submission Dates: Verify the date the transaction was processed and compare it to the allowable submission timeframe to determine if late presentment occurred.​
  
  
• Provide Documentation: If you believe the transaction was submitted within the required timeframe, provide documentation such as batch reports or processing logs to support your case.​

• Acknowledge Late Submission: If the transaction was indeed submitted late, acknowledge the error and consider issuing a refund to resolve the dispute amicably.

To minimize the occurrence of chargebacks under reason code 4542:

• Adhere to Submission Deadlines: Ensure all transactions are submitted for processing within the timeframes specified by Discover to maintain transaction validity.​
  
  
• Implement Prompt Processing Procedures: Establish internal protocols to process and submit transactions promptly after they occur.​
  
  
• Monitor Processing Systems: Regularly review your payment processing systems to identify and address any delays or issues that could lead to late submissions.​

• Train Staff on Timely Processing: Educate employees about the importance of submitting transactions promptly and the potential consequences of late presentment.​