Mastercard Reason Code 4849 Rule 3.7 Violation for Coercion Claim

Dispute

Mastercard

Card Issuer Name

4849

Reason Code

Fraud

Claim

Mastercard confirmed that the merchant violated their Integrity of Brand and Network rule (Rule 3.7) more than twice within a case detailed in the noncompliance confirmation letter.

Cause

The merchant is suspected of fraud and placed under stricter scrutiny.

Response

Cardholders and issuers have 30 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

Stick to Mastercard rules.

Written by

Justt

Explore

Visa VAMP’s Tighter Threshold Is Now Live: What Merchants Need to Know

Roenen Ben-Ami
March 31, 2026

Holiday Shopping Chargeback Trends, and How Retailers Can Prepare

JonCarlo Hernandez-Lopez
November 25, 2025

4 Ways to Prepare for Rising Card Scheme Fees and Tightening Deadlines

JonCarlo Hernandez-Lopez
October 29, 2025