4842 – Late Presentment - Transactions Involving a European Issuer or Acquirer


Dispute Code

4842

Category

Point-of-Interaction Error

Message System

Dual Message System

DESCRIPTION

Why did I receive this chargeback?

You presented the transaction more than seven calendar days after the transaction date and the account is now 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 that the transaction was presented within seven calendar days of the transaction
  • Proof the account has not been permanently closed

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 the specified time limit.

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