Reason Code 4808Multiple Authorization Requests

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Card Issuer


Reason Code





The issuer declined a transaction, but it was later approved in X-Code or Stand-In. X-code is backup processing serving acquirers when their systems are down and cannot process transactions. In contrast, stand-in processing offers backup authorization to issuers when their main authorization systems cannot respond to authorization requests.


  • The merchant swiped the card over and over to obtain authorization despite an initially declined response.
  • The merchant used alternative authorization methods like voice authorization or key entering.


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

Merchants should:

  • Always seek authorization approval before you process a transaction.
  • Terminate a transaction after receiving a declined response and get a different form of payment.
  • Stick to Mastercard rules.
Mastercard Merchant Official Documentation
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