Processing Errors
4908 Invalid Acquirer Reference Data: Documentation Received
Details
This reason code is used when an issuer disputes a second presentment (also known as a representment) from the acquirer, asserting that the Acquirer Reference Data provided does not match the original transaction details.
Timing to raise the dispute (Issuer/Cardholder)
Timing to respond to the dispute (Acquirer/Merchant)
How to respond?
To address a chargeback under Reason Code 4908, you should provide evidence that the Acquirer Reference Data is accurate and corresponds to the original transaction. This may include:
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Transaction Records: Detailed records of the original transaction, including date, amount, and authorization details.
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Correspondence: Any communication between you and the issuer regarding the transaction in question.
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System Logs: Logs from your payment processing system that verify the accuracy of the Acquirer Reference Data provided.
How to prevent?
To minimize the risk of such chargebacks under reason code 4908:
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Accurate Record-Keeping: Ensure that all transaction details are recorded accurately and stored securely.
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Consistent Reference Data: Use consistent and correct Acquirer Reference Data in all communications and documentation related to transactions.
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Prompt Communication: Address any discrepancies or inquiries from issuers promptly to prevent escalation.
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Regular Audits: Conduct regular audits of transaction records to ensure data integrity and accuracy.