Reason Code 4849 - Global Merchant Audit Program (GMAP)

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

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

• Proof you are not listed in a Mastercard Announcement
• Documentation claiming the transaction did not occur within the required time limit
• 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

• Always adhere to Mastercard rules and regulations.