Reason Code 4849: Rule 3.7 Violation for Coercion Claim

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Dispute

Card Issuer

Mastercard

Reason Code

4849

Category

Fraud

Claim

Mastercard confirmed that the merchant violated their Integrity of Brand and Network rule (Rule 3.7) more than twice within a case detailed in the noncompliance confirmation letter.

Cause

The merchant is suspected of fraud and placed under stricter scrutiny.

Response

Cardholders and issuers have 30 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

Stick to Mastercard rules.

Notes

Cardholders or issuers can only file this claim within 30 days of receiving the noncompliance letter and the chargeback processing date.

Mastercard Merchant Official Documentation
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