Reason code

This code is used when a cardholder disputes a transaction due to suspected fraudulent activity associated with the merchant. This may involve situations where the merchant is suspected of processing unauthorized transactions, misrepresenting goods or services, or engaging in deceptive practices.

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To address a chargeback under Reason Code 4849, provide evidence that the transaction was legitimate and authorized by the cardholder. This may include:​

• Transaction Records: Detailed records of the transaction, including date, amount, and authorization details.​
  
  
• Proof of Delivery or Service: Documentation showing that goods or services were delivered or provided as agreed.​
  
  
• Communication Records: Any correspondence with the cardholder related to the transaction.

Providing clear and comprehensive documentation can help demonstrate the legitimacy of the transaction and may lead to the chargeback being overturned.

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To minimize the risk of chargebacks under 4849:

• Maintain Transparent Business Practices: Ensure that all transactions are conducted ethically and transparently.​
  
  
• Provide Clear Product/Service Descriptions: Accurately describe products or services to set proper customer expectations.​
  
  
• Obtain Proper Authorization: Always obtain authorization for transactions and keep records of approvals.​
  
  
• Promptly Address Customer Concerns: Respond quickly to customer inquiries or complaints to resolve issues before they escalate to chargebacks.