Reason code

This code is used when an issuer receives supporting documentation from the acquirer that is too illegible to assess the validity of the second presentment. In such cases, the issuer may initiate an arbitration chargeback, citing the inability to review the provided evidence due to its poor quality.​

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To address a chargeback under Reason Code 4902, provide clear and legible documentation that directly relates to the disputed transaction. This may include:​

• High-Quality Copies: Ensure all documents are scanned or copied clearly, making all text and details easily readable.​
  
  
• Complete Documentation: Include all relevant pages and information to provide a full context of the transaction.​
  
  
• Verification Statement: A declaration confirming that the attached documents are true copies of the original records.

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To minimize the risk of such chargebacks under reason code 4902:

• Use High-Resolution Scanning Equipment: Ensure that all scanned documents are of high quality and legible.​
  
  
• Regularly Test Document Quality: Periodically check the clarity of scanned documents to ensure they meet readability standards.​
  
  
• Train Staff on Document Handling: Educate employees on the importance of providing clear and legible documentation.​
  
  
• Implement a Quality Assurance Process: Before submitting documents, have a system in place to review and confirm their clarity and relevance.

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