- Fraud (4837): Primary fraud code—cardholder denies authorization; fight with compelling evidence
- Authorization (4807/4808): Card on warning bulletin or auth not obtained
- Cardholder Disputes (4853/4855): Goods not provided, not as described—need delivery proof
- Chip Liability (4870/4871): EMV liability shift—counterfeit or lost/stolen chip cards
- Chargeback window: 90 days; Second presentment: 45 days
Complete reference for all Mastercard chargeback reason codes, based on the Mastercard Chargeback Guide.
Reason Code Categories
Authorization Issues (4800s)
| Code | Name | Description |
|---|
| 4807 | Warning Bulletin File | Card on warning bulletin at transaction time |
| 4808 | Authorization-Related | Authorization required but not properly obtained |
| 4812 | Account Number Not on File | Transaction on invalid or closed account |
Fraud (4830s-4870s)
| Code | Name | Description |
|---|
| 4837 | No Cardholder Authorization | Primary fraud code - cardholder denies participation |
| 4863 | Cardholder Does Not Recognize | Cardholder doesn't recognize the transaction |
| 4870 | Chip Liability Shift | Counterfeit chip card fraud |
| 4871 | Chip/PIN Lost/Stolen/NRI | Chip card lost, stolen, or never received |
Point of Interaction Errors (4834)
| Code | Name | Description |
|---|
| 4834 | Point of Interaction Error | Transaction processing errors at terminal |
Cardholder Disputes (4853-4855)
| Code | Name | Description |
|---|
| 4853 | Cardholder Dispute | Goods/services not provided, not as described, or other disputes |
| 4854 | Cardholder Dispute (US Region) | US domestic catch-all dispute code |
| 4855 | Goods or Services Not Provided | Non-receipt of merchandise or services |
Time Frame Quick Reference
| Stage | Standard | ATM/Maestro Europe |
|---|
| Chargeback | 90 days | 120 days |
| Second Presentment | 45 days | 45 days |
| Pre-Arbitration | 30 days | 30 days |
| Arbitration | 45 days | 75 days |
Regional Variations
Mastercard time frames vary significantly by region. See individual reason code pages for specific regional requirements.
Shortened Windows
- Nigeria domestic: 2 business days for representment
- Costa Rica domestic: 10 calendar days for representment
- Tanzania domestic: 20 calendar days for representment
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