Mastercard/Maestro
Chargeback Categories | Reason Code | Reason | Description |
Fraud | 4870 | EMV Liability Shift Counterfeit Fraud | The cardholder is claiming that they did not authorize or participate in the transaction. The cardholder may also claim that a counterfeit card authorized a transaction from his or her account. |
4871 | EMV Liability Shift – Non-Counterfeit Fraud | The cardholder is claiming that they did not authorize or participate in a transaction originated with the EMV terminal | |
4837 | Fraud-No Cardholder Authorization | The cardholder states that they, nor anyone authorized by them, engaged in the transaction. | |
4863 | Transaction Not Recognized-Potential Fraud | The cardholder claims that they do not recognize the transaction and states that they did not authorize the charge to their card. | |
4849 | Questionable merchant activity | The acquirer processed a transaction that was later was listed in a Mastercard Global Security Bulletin for violating GMAP, QMAP, or reported to SAFE. | |
4840 | Fraudulent Processing of Transactions | The cardholder claims that a fraudulent purchase was made while the card was in the cardholder's possession at the time of the transaction. | |
Authorization | 4808 | No Authorization | It can be used in the following situation: a) Requested/Required Authorization Not Obtained (e.g., the authorization was declined) b) Warning Bulletin File c) Account Number Not On File |
Processing Error | 4834 | Point-Of Interaction Error | It can be used in the following situation: a) Duplicate Processing b) Transaction amount differs c) Late presentment d) Correct transaction currency code not provided |
Consumer Dispute | 4853 | Cardholder Dispute | It can be used in the following situation: a) Defective/Not As Described b) Canceled Recurring Transaction c) Non-Receipt of Merchandise/cash d) Services Not Rendered e) Credit Not Processed |
4999 | Domestic chargeback dispute (Europe region only) | This reason code may be used by issuer where a dispute is available according to the applicable domestic rule, but cannot be processed under a different message reason code. | |
4850 | Installment Billing Dispute | The cardholder claims an installment charge made to their account was incorrect. |