Reason code

This code is used when a cardholder disputes a transaction, claiming they do not recognize the charge on their statement. Such disputes often arise from forgotten purchases, unclear merchant descriptors, or potential fraudulent activity. 

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How to address a chargeback under reason code 4752:

• Provide Transaction Details: Submit comprehensive information about the transaction, including the date, amount, and a clear description of the goods or services provided.​

• Clarify Merchant Descriptor: If your billing descriptor differs from your business name, explain the relationship to help the cardholder recognize the charge.​

• Offer Additional Evidence: Include any relevant documentation such as invoices, receipts, or communication with the cardholder that may assist in clarifying the transaction.​

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To minimize the occurrence of chargebacks under reason code 4752:

• Use Clear Billing Descriptors: Ensure that the descriptor appearing on cardholder statements accurately reflects your business name and, if possible, includes contact information.​

• Send Purchase Confirmations: Immediately after a transaction, send an email confirmation detailing the purchase, which can serve as a reminder to the cardholder.​

• Maintain Accessible Customer Service: Provide easily accessible contact information so cardholders can reach out with questions about charges before initiating a dispute.