Reason code

This code is used when a transaction is processed without obtaining the necessary authorization from the card issuer. It applies to situations where:​

• A transaction was completed without seeking authorization.​
  
  
• Authorization was requested but declined, and the transaction was still processed.​
  
  
• Multiple authorization attempts were made after initial declines, leading to a forced transaction.

Processing transactions without proper authorization can lead to disputes, as cardholders may claim they did not approve the charges.

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To address a chargeback under Reason Code 4808, provide evidence that the transaction was properly authorized:​

• Authorization Approval Code: Documentation showing that the transaction received an approval code from the issuer at the time of processing.​
  
  
• Transaction Records: Detailed records indicating that the cardholder participated in and approved the transaction.​

• Proof of Service or Delivery: Evidence that goods or services were provided to the cardholder as agreed.

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To minimize the risk of chargebacks under reason code 4808:

• Always Obtain Authorization: Ensure that every transaction is authorized by the issuer before processing.​
  
  
• Avoid Forcing Transactions: Do not attempt to process transactions after receiving a decline response. Instead, request an alternative payment method from the customer.​
  
  
• Use EMV-Compliant Terminals: Utilize chip-enabled terminals for card-present transactions to reduce the risk of counterfeit fraud and ensure proper authorization.​
  
  
• Implement Fraud Detection Tools: Use tools like Address Verification Service (AVS) and Card Verification Value (CVV) checks to verify the cardholder's identity during card-not-present transactions.​

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