Reason Code 4849 - Global Merchant Audit Program (GMAP)

Dispute Code




Message System

Dual Message System


Why did I receive this chargeback?

You are listed in a Mastercard Announcement under the Global Merchant Audit Program (GMAP).


How long can the issuer wait to file a chargeback?

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


What compelling evidence is needed to respond?

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


How can I avoid this chargeback in the future?

  • Always adhere to Mastercard rules and regulations.

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