Reason code

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.

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:​

• Transaction Records: Detailed records of the original transaction, including date, amount, and authorization details.

• Correspondence: Any communication between you and the issuer regarding the transaction in question.

• ‍System Logs: Logs from your payment processing system that verify the accuracy of the Acquirer Reference Data provided.

To minimize the risk of such chargebacks under reason code 4908:

• Accurate Record-Keeping: Ensure that all transaction details are recorded accurately and stored securely.​
  

• Consistent Reference Data: Use consistent and correct Acquirer Reference Data in all communications and documentation related to transactions.​
  

• Prompt Communication: Address any discrepancies or inquiries from issuers promptly to prevent escalation.

• Regular Audits​: Conduct regular audits of transaction records to ensure data integrity and accuracy.