Reason Codes
This is the Mastercard reason code for “Fraud – Card Present Environment.”
What is 4837?
Number of calendar days a merchant typically has to respond to a chargeback.
What is 45 days?
This must be obtained from the cardholder before initiating a chargeback.
What is a written cardholder statement or claim?
This happens if an issuer files a chargeback outside the allowed timeframe.
What is chargeback invalidation?
Before initiating a dispute, the issuer must ensure the cardholder has done this.
What is attempted to resolve with the merchant?
This reason code is used for “Goods or Services Not Provided.”
What is 4855?
Most chargebacks must be initiated within this many days from the transaction processing date.
What is 120 days?
For fraud claims, the issuer must confirm this with the cardholder.
What is that they did not authorize or participate in the transaction?
Initiating a chargeback without cardholder contact or claim is a violation of this Mastercard requirement.
What is Good Faith Investigation?
This document, signed or confirmed by the cardholder, is needed for most disputes.
What is cardholder letter of dispute?
This code relates to “Cancelled Recurring Transaction.”
What is 4841?
True or false: Some chargebacks allow 60 days from the date of discovery rather than the transaction date.
What is True.
This evidence is not required for a 3DS-authenticated transaction fraud dispute.
What is proof of cardholder non-involvement (because 3DS shifts liability)?
Failing to use the correct reason code can result in this outcome.
What is dispute rejection or reversal?
When a cardholder disputes a subscription charge, the issuer should ask for this.
What is proof of cancellation?
This chargeback reason is used when “Cardholder Does Not Recognize Transaction.”
What is 4863?
The time limit to file a chargeback for reason code 4853 (Cardholder Dispute – Defective Merchandise).
What is 120 days from date of discovery?
Issuers must submit this document to Mastercard if requested during compliance or arbitration.
What is compelling evidence or supporting documentation?
Submitting a chargeback for a 3DS-authenticated transaction without checking fraud liability leads to this.
What is improper filing – issuer liability?
True or False: The issuer can proceed with a Fraud dispute even if the cardholder admits to using the service.
What is False?
Code 4834 can cover multiple issues, including this subcategory.
What is 4834 – Late Presentment?
This condition must be met for a chargeback involving services that were not rendered due to cancellation.
What is Proof that the service was cancelled before fulfillment?
When submitting a chargeback for “Not as Described,” issuers must provide this specific detail from the cardholder.
What is how the product/service differed from what was promised?
Filing a fraud chargeback when the cardholder was present and PIN was used may violate this rule.
What is EMV liability shift rules?
Cardholder claims of fraud must include this statement for issuer documentation.
What is they did not authorize or benefit from the transaction?