4849 – Questionable Merchant Activity

Dispute Condition Code

4849

Category

Point-of-Interaction Error

Message System

Choose a CONDITION below:

Global Merchant Audit Program (GMAP)

Why did I get this chargeback?

You are listed in a Mastercard Announcement under the Global Merchant Audit Program (GMAP).

How long can a cardholder wait to file this chargeback?

The chargeback timeline can be based on one of two start dates. Either the chargeback must be processed within 120 calendar days of:

  • the transaction processing date, or
  • the Mastercard Announcement publication date that first listed the merchant location

What do I need to fight this chargeback?

Available chargeback response options include:

  • Proof you are not listed in a Mastercard Announcement, or
  • Documentation claiming the transaction did not occur within the required time limit, 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 adhere to Mastercard rules and regulations.

Questionable Merchant Audit Program (QMAP)

Why did I get this chargeback?

You are listed in a Mastercard Announcement under the Questionable Merchant Audit Program (QMAP).

How long can a cardholder wait to file this chargeback?

The chargeback timeline can be based on one of two start dates. Either the chargeback must be processed within 120 calendar days of:

  • the transaction processing date, or
  • the Mastercard Announcement publication date that first listed the merchant location

What do I need to fight this chargeback?

Available chargeback response options include:

  • Proof you are not listed in a Mastercard Announcement, or
  • Documentation claiming the transaction did not occur within the required time limit, 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 adhere to Mastercard rules and regulations.

Mastercard Rule 3.7 Violation for Coercion Claim

Why did I get this chargeback?

Mastercard has confirmed that you violated Rule 3.7 at least two times within the case scope period cited in the noncompliance confirmation letter

How long can a cardholder wait to file this chargeback?

The maximum amount of time that can pass between the date of the noncompliance confirmation letter and the chargeback processing date is 30 calendar days.

What do I need to fight this chargeback?

Available chargeback response options include:

  • Proof you didn’t violate Mastercard Rule 3.7, or
  • Documentation claiming the issuer didn’t include the noncompliance confirmation letter with the chargeback, or
  • Documentation claiming the issuer submitted the chargeback more than 30 days after the noncompliance confirmation letter, or
  • Proof that the chargeback is otherwise 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 adhere to Mastercard rules and regulations.

More MASTERCARD Reason Codes

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