Reason Code 4808: Multiple Authorization Requests

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.

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.