Questionable Merchant Activity (4849) is a fraud reason code provided by Mastercard for chargebacks related to one of the following reasons.

Reason	Description
Global Merchant Audit Program (GMAP)	The merchant is listed in a Mastercard Announcement for violating the Global Merchant Audit Program (GMAP) and the transaction occurred during the published chargeback period. Refer to section 8.2 of the Mastercard Security Rules and Procedures manual for more information about the GMAP.
Questionable Merchant Audit Program (QMAP)	The merchant is listed in a Mastercard Announcement for violating the Questionable Merchant Audit Program (QMAP) and the transaction occurred during the published chargeback period. Refer to section 8.4 of the Mastercard Security Rules and Procedures manual for more information about the QMAP.
Mastercard Rule 3.7 Violation for Coercion Claim	The merchant is determined by Mastercard as violating Rule 3.7, “Integrity of Brand and Network”, for claims of coercion.

Dependencies

Reason	Depencencies
Global Merchant Audit Program (GMAP)	Mastercard Announcement number
Questionable Merchant Audit Program (QMAP)	Mastercard Announcement number
Mastercard Rule 3.7 Violation for Coercion Claim	Business Risk Assessment and Mitigation (BRAM) program case number stated in the noncompliance confirmation letter from Mastercard Copy of the noncompliance confirmation letter from Mastercard that the acquirer’s merchant violated Rule 3.7 two or more times based on coercive transactions within the case scope period

Validations

None.