4834 - Point-Of-Interaction Error - Late Presentment


Dispute Code

4834

Category

Point-of-Interaction Error

Message System

Dual Message System

DESCRIPTION

Why did I receive this chargeback?

You didn’t present the transaction within the required timeframe and the cardholder’s account has been permanently closed.


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 you processed the transaction within the allotted time period
  • Proof the cardholder’s account is still open
  • Proof that processing was legitimately delayed because of a bank holiday
  • 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.
  • Present transactions to the issuer within seven calendar days if you electronically recorded the card information (either card-read or key-entered).
  • Present interregional transactions to the issuer within 30 calendar days if you manually recorded the card information (either imprinted or handwritten).
  • Present US domestic transactions to the issuer within 14 calendar days if you manually recorded the card information (either imprinted or handwritten).
  • Clear all transactions within one business day of the authorization date.

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