4808 - Authorization-Related Chargeback - Required Authorization Not Obtained


Dispute Code

4808

Category

Authorization

Message System

Dual Message System

DESCRIPTION

Why did I receive this chargeback?

You were supposed to request authorization but didn’t.


TIME LIMIT

How long can the issuer wait to file a chargeback?

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


FIGHT

What compelling evidence is needed to respond?

Your chargeback response must include at least one of the following items:

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

PREVENT

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.

Reason Codes by Brand

Ready to Start Preventing
& Fighting
Chargebacks?

analytics-imac

Set up your
demo experience.

analytics-imac@2x analytics-imac

Sign up for
news & updates.

Top