DisputeDeskReason codes · Shopify · Free tools

Mastercard 4849: Questionable Merchant Activity

What it means: The chargeback relates to a network investigation of questionable merchant activity (Mastercard's Questionable Merchant Audit Program).

How to respond: This is not a normal cardholder dispute. Contact your processor for the investigation details before responding.

Stripe usually labels this dispute as: general (check the reason shown on your dispute — Stripe maps network codes to its own categories).

Evidence checklist

Processor / network notification details
Receipt / invoice showing what was purchased, price, date and the customer's details

Tips

Address the specific reason code — a generic letter that argues the wrong issue is a common reason responses fail.
Submit before the evidence due date shown in your Stripe/Shopify dashboard; most processors allow one submission.
Keep it factual and concise; label each exhibit.
If the customer is right, accepting the dispute or refunding may cost less than fighting it.

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DisputeDesk provides general information and document preparation help. It is not legal advice, and we do not guarantee any dispute outcome — the card issuer decides. Reason-code names and rules change; always check the dispute details in your Stripe or Shopify dashboard and the card network's current rules.
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