4808 – Transit First Ride Risk / Issuer Liability

PREVIEW

A high-level overview

This reason code is used when a Transit First Ride Risk (FRR) or Transit First Ride Issuer Liability (FRIL) claim was improperly processed.

Issuers can wait up to 90 days to file this type of chargeback.

If you — the merchant — have the required data, you can fight a ‘Transit First Ride Risk (FRR) Framework and Transit First Ride Issuer Liability (FRIL) Framework Claims’ chargeback. At most, you will have 45 days to respond. However, fighting this type of chargeback might not be wise. If you don’t have a strong case with supporting evidence, the issuer can advance the case to arbitration. And arbitration comes with expensive fees.

By adhering to authorisation best practices, you can avoid a chargeback like this in the future.

NOTE

Because this chargeback impacts a very small portion of merchants, we aren’t going to elaborate on what causes this dispute or how to respond. If you are a merchant or acquirer and need additional details about this reason code, we recommend you consult the latest version of the Mastercard chargeback guide. You’ll find a section on FRR/FRIL chargebacks in the authorisation-related chargebacks portion of chapter 2 (dual message system chargebacks).