Reason code

This code is used when an issuer disputes a second presentment from the acquirer, asserting that the necessary supporting documentation was not provided. Essentially, the issuer claims that without this documentation, the validity of the second presentment cannot be confirmed.

To address a chargeback under Reason Code 4901, provide the missing documentation that substantiates the validity of the second presentment. This may include:​

• Detailed Transaction Records: Comprehensive records of the original transaction, including dates, amounts, and authorization details.​
  

• Proof of Delivery or Service: Evidence showing that goods or services were delivered or provided as agreed.

• Correspondence Records​: Any communication between you and the cardholder related to the transaction.

To minimize the risk of such chargebacks under reason code 4901:

• Maintain Organized Records: Keep all transaction-related documents organized and easily accessible to ensure timely responses to disputes.​
  

• Implement Documentation Checklists: Use checklists to verify that all required documents are included when responding to disputes.​
  

• Train Staff on Documentation Procedures: Educate employees on the importance of providing complete and accurate documentation in dispute responses.​

• Regularly Review Dispute Responses: Periodically audit dispute responses to ensure compliance with documentation requirements.

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