Mastercard Reason Code 4840

What is

The cardholder alleges the merchant itself processed the transaction improperly, without proper authorization process.

A claim that the merchant's own processing (not a third-party thief) was improper — e.g., storing and reusing card data without consent.

This one implicates your own processes, not just the customer — review your card-storage and reuse practices if you see this repeatedly.

Customer consent record for the specific transaction being processed.

Submit the customer's documented consent for this specific charge.

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Storing and reusing card details for charges the customer didn't explicitly authorize each time.

Never reuse stored card details for a new charge without fresh, explicit customer authorization.