Reason Code 4808: Account Number Not on File

This reason code is transitioning from legacy code 4812. The issuer couldn't find the account number used on file.

It could be: 

• The transaction was completed using a retired account number, and the merchant received authorization approval later.
• The transaction processed was authorized offline.
• The account number wasn't updated on the Electronic Warning Bulletin before the transaction.

Merchants should:

• Use EMV chip terminals for transactions.
• Always get authorization before they process a transaction.
• If a transaction authorization request is declined, terminate the transaction immediately.
• Train staff members to follow proper procedures in making payments.