Mastercard 4840: Fraudulent Processing of Transactions
FraudDefense: WeakMATCH relevance: High
Issuer filing window
120 days from transaction date
Merchant response window
45 days
Multiple transactions on the same card processed by the same merchant under conditions suggesting merchant-side fraud (e.g., card-skimming, transaction laundering, duplicate processing intent).
Playbook note: This code signals serious acquirer concern. Investigation by acquirer and possible MATCH listing follow.
Compelling evidence for 4840
- Authorization logs for each transaction
- Cardholder consent records
- Operational documentation showing legitimate processing
Mastercard 4840 questions.
How long do I have to respond to a Mastercard 4840 chargeback?
45 days from notification. Missing the response window normally forfeits the dispute, whatever the merits of your case.
How long can the issuer wait before filing 4840?
The issuer filing window for 4840 is 120 days from transaction date.
How hard is 4840 to defend?
Defense difficulty for this code is rated Weak in our catalogue. This code signals serious acquirer concern. Investigation by acquirer and possible MATCH listing follow.