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Mastercard Reason Code 4999 Domestic Chargeback Dispute (Europe)

Disputeโ€‹

Mastercard

Card Issuer Name

4999

Reason Code

Other

Category

Claim

Used when a cardholder claims a particular transaction charged as a sale should have been a credit.

Cause

The merchant processing a credit card transaction to give a refund runs it as a regular charge instead of crediting the customerโ€™s account.

Response

Cardholders and issuers have 45 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

  • Immediately reverse erroneous or duplicate transactions or issue credits to cancel it.
  • Double-check calculations and transactions before finalizing them.
  • Train the staff on how to handle credit, debits, and reversal.
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