Description of Reason Code 4808
Insights from Rules and Regulations
A transaction where authorization was required, but not obtained. It can also occur for transactions where the primary account number (PAN) does not exist. And, also in Card Not Present transactions declined by the issuer and subsequently approved through stand-in processing or X-Code with an approval response as specified in the Authorization Manual.
How to Win Reason Code 4808
Prove the transaction was presented within seven calendar days of the pre-authorization or authorization approval date and the pre-authorization or authorization was not reversed. You can also provide evidence that the issuer has not permanently closed the account or to prove that the transaction was either approved online by the issuer or offline by the chip.
Transaction Modifiers applicable to Reason Code 4808