Reason Code 4837: No Cardholder Authorization

A card-not-present transaction occurs, and the cardholder claims they didn't authorize or participate in the transaction.

• The merchant processed a random account number and didn't obtain the owner's authorization.
• The merchant processed a transaction the cardholder wasn't a part of.
• A family member used the card without the primary cardholder's knowledge.
• The cardholder couldn't recognize the purchase description on the billing statement.

• Ensure the billing descriptors are easy to recognize.
• Always get authorization for every transaction.
• Reject expired cards.
• Never override a declined transaction.
• Train your staff on how to handle terminal issues.