Reason Code 4834Point-of-Interaction Currency Conversion

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Card Issuer


Reason Code



Interaction Error


This reason code is transitioning from the legacy code 4846. The cardholder claims they  weren't presented with the option to choose a preferred currency or that the merchant implemented the currency conversion wrong.


  • The transaction currency is different from what the merchant sends to Mastercard.
  • The cardholder didn't know or agree to a dynamic currency conversion.


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

  • Always inform the cardholder of applicable fees and the dynamic currency conversion.
  • Present the cardholder with the opportunity to transact in their local currency.
  • Train your staff on the correct procedures for handling transactions in different currencies.
Mastercard Merchant Official Documentation
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