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What Does Mastercard Chargeback Reason Code 4808 Mean? A 4808 Authorization-Related Chargeback happens when a transaction gets disputed because the merchant didn't get proper authorization for it. This can occur if the merchant skipped the authorization step, the authorization was declined but the transaction still went through, or if the authorization was invalid or expired. It means the card issuer didn't approve the charge, but the transaction was processed anyway. To avoid this, always make sure you get proper authorization for every transaction and keep an eye on your payment processing systems to catch any issues early.
Key Details of Chargeback Reason Code 4808 Authorization-Related Chargeback
- Definition: The transaction was processed without a valid authorization, the authorization was expired, or the authorization response was not approved.
- Typical Use Cases: This chargeback reason is often seen in scenarios where the merchant either did not obtain an authorization code, used an incorrect authorization code, or processed the transaction after the authorization had expired.
Common Causes of 4808 Authorization-Related Chargeback
- No Authorization: The merchant failed to obtain authorization for the transaction.
- Expired Authorization: The transaction was processed after the authorization had expired.
- Invalid Authorization: The authorization code used was invalid or not recognized by the issuing bank.
- Amount Mismatch: The authorized amount and the transaction amount did not match.
- Authorization Reversal Not Submitted: The merchant did not submit an authorization reversal for a canceled transaction.
Resolution Time Frame for Mastercard Reason Code 4808 Authorization-Related Chargeback
- For Cardholders: Cardholders generally have up to 120 days from the transaction processing date to file a dispute under this reason code.
- For Merchants: Upon receiving a chargeback, merchants typically have 45 days to respond with evidence to refute the chargeback.
Preventing or Mitigating Chargeback Reason Code 4808 Authorization-Related Chargeback
To avoid or deal with 4808 Authorization Related Chargebacks, merchants can:
- Get Proper Authorization: Always get a valid authorization code for every transaction.
- Watch Authorization Expiry: Process transactions within the authorization period. If it expires, get a new one.
- Use Correct Codes: Double-check that you’re using the right authorization code.
- Match Amounts: Make sure the transaction amount matches the authorized amount. If it changes, get a new authorization.
- Submit Reversals: If a transaction is canceled, submit a reversal quickly.
- Train Staff: Teach employees the importance of getting and using valid authorizations and the correct steps to follow.
Responding to Chargebacks
If you get a chargeback under Mastercard code 4808:
- Collect Docs: Gather all relevant documents like proof of authorization, transaction details, and communication with the cardholder.
- Submit Evidence: Provide strong evidence to the acquiring bank to show the transaction was authorized correctly. This can include the authorization code, transaction receipts, and logs showing the authorization process.
- Talk to the Issuer: If you can, contact the issuing bank to discuss the chargeback and provide extra info to resolve the dispute in your favor.
