4849 - Questionable Merchant Activity - Global Merchant Audit Program (GMAP)


Dispute Code

4849

Category

Fraud

Message System

Dual Message System

DESCRIPTION

Why did I receive this chargeback?

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


TIME LIMIT

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

FIGHT

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

PREVENT

How can I avoid this chargeback in the future?

  • Always adhere to Mastercard rules and regulations.

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