Mastercard 4840 — Fraudulent Processing of Transactions

What it means

The cardholder or issuer claims the merchant processed transactions fraudulently or without legitimate business purpose.

Common causes

• Suspected merchant-side fraudulent billing
• Unauthorized recurring charges added without consent
• Transactions flagged as part of a fraud scheme

Evidence that helps you win

• Order details and customer opt-in for each charge
• Fulfillment proof for every disputed transaction
• Clear billing descriptor matching the store name
• Customer service records resolving prior inquiries