Mastercard 4849: Questionable Merchant Activity
Issuer filing window
120 days from transaction date
Merchant response window
45 days
Mastercard's Excessive Chargeback Program (ECP) and related risk programs flag this code. Indicates the merchant is in a Mastercard monitoring program.
Playbook note: Defense at this stage is largely about remediation rather than individual disputes. Acquirer termination is likely if not addressed urgently.
Compelling evidence for 4849
- Same as 4837, fraud-defense compelling evidence
Mastercard 4849 questions.
How long do I have to respond to a Mastercard 4849 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 4849?
The issuer filing window for 4849 is 120 days from transaction date.
How hard is 4849 to defend?
Defense difficulty for this code is rated Weak in our catalogue. Defense at this stage is largely about remediation rather than individual disputes. Acquirer termination is likely if not addressed urgently.