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Mastercard Reason Code 4834 Loss, Theft, or Damages

Disputeโ€‹

Mastercard

Card Issuer Name

4834

Reason Code

Interaction Error

Category

Claim

The cardholder claims the merchant processed an unauthorized charge of loss, theft, and damage upfront, even before they used their service.

Cause

The merchant processed a charge for loss, theft, or damage without the approval of the cardholder.

Response

Cardholders and issuers have 90 days to file a dispute related to the claim against the merchant.
Merchants have 45 days to respond to the claim in dispute.

Steps to Prevention

  • Add loss, theft, and damage charges after consulting and agreeing with the cardholder.
  • Explain to the cardholder situations that warrant a loss, theft, or damage charge.
  • Process the original transaction amount and the loss, theft, and damage charges separately.
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