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Mastercard Reason Code 4849 Questionable Merchant Audit Program (QMAP)

Disputeโ€‹

Mastercard

Card Issuer Name

4849

Reason Code

Fraud

Category

Claim

The merchant is added to the Questionable Merchant Audit Program. To file under this reason code, the fraudulent transaction should have occurred in the period detailed in the Global Security Bulletin under the QMAP.

Cause

The merchant participated in inappropriate or fraudulent activity.

Response

Cardholders and issuers have 120 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.
  • Keep accurate records.
  • Always check transactions against the Mastercard Global Security Bulletin before completing them.
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