Description of Reason Code 4860
Credit Not Processed
Insights from Rules and Regulations
The cardholder claims they are due a credit from an establishment that has not been processed.
How to Win Reason Code 4860
In your response, you need to either show that the merchandise was never returned, that the cancellation was not accepted, or that a credit or a reversal was processed.
Transaction Modifiers applicable to Reason Code 4860