Consumer Disputes
4752 Does Not Recognize
Details
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.
Timing to raise the dispute (Issuer/Cardholder)
Timing to respond to the dispute (Acquirer/Merchant)
How to respond?
How to address a chargeback under reason code 4752:
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Provide Transaction Details: Submit comprehensive information about the transaction, including the date, amount, and a clear description of the goods or services provided.
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Clarify Merchant Descriptor: If your billing descriptor differs from your business name, explain the relationship to help the cardholder recognize the charge.
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Offer Additional Evidence: Include any relevant documentation such as invoices, receipts, or communication with the cardholder that may assist in clarifying the transaction.
How to prevent?
To minimize the occurrence of chargebacks under reason code 4752:
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Use Clear Billing Descriptors: Ensure that the descriptor appearing on cardholder statements accurately reflects your business name and, if possible, includes contact information.
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Send Purchase Confirmations: Immediately after a transaction, send an email confirmation detailing the purchase, which can serve as a reminder to the cardholder.
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Maintain Accessible Customer Service: Provide easily accessible contact information so cardholders can reach out with questions about charges before initiating a dispute.