Mastercard Reason Code 4849

What is

Mastercard or the issuer has flagged the merchant's own account activity as suspicious or non-compliant.

A pattern across many transactions (not one dispute) triggered a merchant-level compliance flag.

This is an account-health signal, not a single-order problem — repeated occurrences risk your processing account.

Your own fraud-prevention and compliance documentation across recent transactions.

Respond per transaction with standard evidence, but also review your account's fraud and chargeback ratios with your processor.

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Not monitoring overall chargeback/fraud ratios until a compliance flag already landed.

Monitor your dispute and fraud ratios proactively and address spikes before they trigger a compliance flag.