Reason Code 4853: Digital Goods $25 or Less

This reason code is transitioning from the legacy code 4841. The cardholder claims there were unauthorized purchases due to a lack of purchase controls.

The merchant didn't set up enough purchase controls for a cardholder, and the unauthorized purchase of digital goods of under $25 was processed.

• The merchant should confirm all purchases through text or email.
• Get cardholder authentication before processing a purchase.
• Turn off default purchases and have every cardholder log in to complete a purchase.
• Every purchase process should time out after a specific period of inactivity.
• Display the total transaction amount for all pending purchases and obtain cardholder confirmation.