4808 – Authorization-Related Chargeback

Dispute Condition Code

4808

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 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 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 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 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 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 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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