Reason Code 4840Fraudulent Processing of Transactions

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Dispute

Card Issuer

Mastercard

Reason Code

4840

Category

Fraud

Claim

The cardholder acknowledges they authorized a transaction at a specific location but denies knowledge of other extra transactions at the same location.

Cause

  • The cardholder may have forgotten they made multiple purchases. Or they are aware of their participation but deliberately deny it. 
  • The merchant made a processing error.
  • The merchant didn't refund or void multiple transactions.

Response

Cardholders and issuers have 120 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

  • Credit or reverse a transaction immediately after you notice you've made a duplicate transaction.
  • Double-check receipts before depositing them.
  • Send Mastercard one batch at a time.
Mastercard Merchant Official Documentation
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