4840 – Fraudulent Processing Of Transactions


Dispute Code

4840

Category

Fraud

Message System

Dual Message System

DESCRIPTION

Why did I receive this chargeback?

The cardholder claims to have authorized one card-present transaction with you, but one or more additional transactions conducted in the next 15 minutes were not authorized.


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 120 calendar days.


FIGHT

What compelling evidence is needed to respond?

Available chargeback response options include:

  • Proof you processed two separate transactions that were both authorized and the transactions are for different goods or services
  • Proof that a PIN was provided and submitted with the authorization request for both transactions
  • Proof the cardholder participated in the original transaction and the second charge is also valid
  • Explanation and documentation to refute the cardholder’s claim
  • 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
  • Proof the cardholder no longer wishes to dispute the transaction

PREVENT

How can I avoid this chargeback in the future?

  • If you notice a duplicate transaction, issue a credit as soon as possible
  • Double check all transaction receipts before they are deposited.
  • Only send batches one time.
  • If the customer wants to change to a different form of payment after initially offering the payment card, be sure to void the charge.

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