What Does Mastercard chargeback code 4812 Mean?
Mastercard chargeback reason code 4812, “Account Number Not On File,” means the issuer doesn’t recognize the card number—often due to keying errors, closed accounts, or outdated details. Verify numbers and keep records current; if challenged, gather the transaction data and work with the issuer and cardholder to resolve it quickly.
Table of Contents
Common Causes of 4812 Account Number Not On File
- Data Entry Errors: The card number was typed incorrectly.
- Processing Mistakes: Technical glitches caused the wrong card number to be used.
- Fraud: Someone tried to use a fake or non-existent card number.
Resolution Time Frame for Chargeback 4812, "Account Number Not On File"
- For Cardholders: They have up to 120 days from the transaction date to dispute the charge.
- For Merchants: Merchants typically have up to 45 days to respond with evidence.
How To Prevent Mastercard Chargeback Code 4812
- Double-Check Card Info: Make sure the card number is entered correctly. Use tools to verify card details.
- Use Reliable Payment Systems: Choose secure payment processing systems that validate card numbers in real-time.
- Monitor Transactions: Keep an eye on transactions to catch and flag any suspicious activity involving card numbers.
- Train Your Staff: Teach your team to accurately enter and verify card information during transactions.
- Talk to Banks: Stay in touch with cardholder banks to quickly sort out any account number issues.
- Use Fraud Prevention Tools: Implement advanced fraud detection tools to spot and stop fraudulent transactions with invalid card numbers.
