4846 – Correct Transaction Currency Code Not Provided / Currency Errors

Dispute Condition Code



Point-of-Interaction Error

Message System

Choose a CONDITION below:

Transactions Involving a European Issuer or Acquirer

Why did I get this chargeback?

The cardholder claims you didn’t give the option to pick a currency or you used POI currency conversion incorrectly.

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 120 calendar days.

What do I need to fight this chargeback?

Available chargeback response options include:

  • Proof the correct transaction amount and currency code were used
  • Proof the merchant specified a currency indicator on the transaction receipt

How can I avoid this chargeback in the future?

  • Don’t automatically apply dynamic currency conversion to transactions. Give customers the option to select the service if they are interested, but don’t require its use.
  • Have systems in place to manage multiple currencies. Make sure staff are trained on procedures.

Transactions Not Involving a European Issuer or Acquirer

Why did I get this chargeback?

Mastercard is in the process of updating chargeback management regulations. Issuers are currently allowed to use reason code 4846, however, this code will soon be eliminate. It will be incorporated into code 4834.

For more information about chargebacks filed with this reasoning, please see reason code 4834, condition:

  • Point-of-Interaction (POI) Currency Conversion (Dynamic Currency Conversion)

More MASTERCARD Reason Codes

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