08 – Authorization-Related Chargeback

Dispute Condition Code

08

Category

Authorization

Message System

Choose a CONDITION below:

Required Authorization Not Obtained

Why did I get this chargeback?

You were supposed to request authorization but didn’t.

How long can a cardholder wait to file this chargeback?

The maximum amount of time that can pass between the transaction processing date and the chargeback processing date is 90 calendar days.

What do I need to fight this chargeback?

Available chargeback response options include:

  • Proof the transaction was authorized and presented within the allotted time frame, or
  • Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements, or
  • Proof you have already refunded the transaction and credited the cardholder’s account

How can I avoid this chargeback in the future?

  • Always send an authorization request before processing a transaction.
  • If you process transactions with multiple authorizations or clearings, make sure you fully understand Mastercard’s rules and regulations.
  • If you add gratuities to transactions, don’t exceed the 20% tolerance.

Expired Chargeback Protection Period

Why did I get this chargeback?

You settled the transaction after the deadline had expired and the cardholder’s account is no longer in good standing.

How long can an issuer wait to file this chargeback?

The maximum amount of time that can pass between the transaction processing date and the chargeback processing date is 90 calendar days.

What do I need to fight this chargeback?

Available chargeback response options include:

  • Proof the transaction was authorized and presented within the allotted time frame, or
  • Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements, or
  • Proof you have already refunded the transaction and credited the cardholder’s account

How can I avoid this chargeback in the future?

  • Always send an authorization request before processing a transaction.
  • If the transaction has a preauthorization, settle the transaction within 30 calendar days of the latest authorization approval date.
  • If the transaction doesn’t have a preauthoirization, settle the transaction within seven calendar days of the authorization approval date.

Multiple Authorization Requests

Why did I get this chargeback?

The issuer declined the transaction but was subsequently approved in Stand-In or X-Code.

How long can an issuer wait to file this chargeback?

The maximum amount of time that can pass between the transaction processing date and the chargeback processing date is 90 calendar days.

What do I need to fight this chargeback?

Available chargeback response options include:

  • Proof the transaction was authorized and presented within the allotted time frame, or
  • Proof the cardholder re-submitted an online order after it was initially denied, or
  • Proof you used the correct message codes when submitting a transaction with one authorization and multiple clearing records, and proof that the total amount of all clearing records did not exceed the authorization amount, or
  • Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements, or
  • Proof you have already refunded the transaction and credited the cardholder’s account

How can I avoid this chargeback in the future?

  • Always send an authorization request before processing a transaction.
  • Terminate transaction if they are declined and ask for an alternate form of payment.

Cardholder-Activated Terminal (CAT) 3 Device

Why did I get this chargeback?

You used a cardholder-activated terminal to process a transaction and the transaction amount exceed the acceptable limit or the card was not valid at the time of the transaction.

How long can an issuer wait to file this chargeback?

The maximum amount of time that can pass between the transaction processing date and the chargeback processing date is 90 calendar days.

What do I need to fight this chargeback?

Available chargeback response options include:

  • Proof the transaction was authorized and presented within the allotted time frame, or
  • Proof the account number was valid when the transaction was processed and proof you did not exceed the maximum transaction amount, or
  • Proof that the chargeback is invalid because it doesn’t adhere to Mastercard requirements, or
  • Proof you have already refunded the transaction and credited the cardholder’s account

How can I avoid this chargeback in the future?

  • Always send an authorization request before processing a transaction.
  • Adhere to regulations for maximum transaction amount if your MCC is 4784, 5499, 7523, or 7542

More MASTERCARD Reason Codes

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