Each code represents a specific dispute reason between cardholders and merchants. Understanding these codes is crucial for preventing chargebacks and protecting your business revenue.
21 Active Codes
34% Success Rate
Up to 85%
Complete reference guide for chargeback reason codes
| Code | Description | How To Win |
|---|---|---|
| 4802 | Requested/Required Item Illegible or Missing | |
| 4807 | Warning Bulletin File | |
| 4808 | Requested/Required Authorization Not Obtained | |
| 4812 | Account Number Not on File | |
| 4831 | Transaction Amount Differs | |
| 4834 | Duplicate Processing | |
| 4835 | Card Not Valid or Expired | |
| 4837 | No Cardholder Authorization | |
| 4840 | Fraudulent Processing of Transactions | |
| 4841 | Cancelled Recurring Transaction | |
| 4842 | Late Presentment | |
| 4846 | Correct Transaction Currency Code Not Provided | |
| 4847 | Exceeds Floor Limit – Not Authorized and Fraudulent Transaction | |
| 4849 | Questionable Merchant Activity | |
| 4850 | Credit Posted as a Purchase | |
| 4853 | Cardholder Dispute – Defective/Not asDescribed | |
| 4854 | Cardholder Dispute-Not Elsewhere Classified | |
| 4855 | Non-Receipt of Merchandise | |
| 4859 | Addendum, No-show, or ATM Dispute | |
| 4860 | Credit Not Processed | |
| 4862 | Counterfeit Transaction Magnetic Stripe POS Fraud | |
| 4863 | Cardholder Does Not Recognize – PotentialFraud |
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To answer common concerns and reduce hesitation from potential users.
Mastercard Reason Codes are specific numbers that explain why a transaction was disputed or charged back. They help identify the root cause of the dispute.
Understanding the codes lets you respond accurately to disputes and prevents similar chargebacks in the future.
Yes — every Mastercard chargeback includes a reason code that indicates the dispute category
Yes — using the correct code information in your response increases your chances of winning representment.
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