Reference pagesReason codes
Reason codes · Mastercard
Mastercard reason codes
Every Mastercard dispute reason code, what it means, and what the network says wins it. 13 current, and 11 the network has retired.
Fraud
Authorization
| Code | Name | Filed as |
|---|---|---|
| 4808 | Authorization-Related Chargeback | General |
Point-of-interaction error
| Code | Name | Filed as |
|---|---|---|
| 4834 | Point-of-Interaction Error | Duplicate |
Consumer dispute
| Code | Name | Filed as |
|---|---|---|
| 4853 | Cardholder Dispute | Product not as described |
Miscellaneous
Mastercard-initiated dispute
How long you have
Second presentment: 45 days from the chargeback
Chargeflow, Mastercard reason codes, updated 3 September 2026, Chargebacks911 reason-code pages: Visa 28 January 2025, Mastercard 7 April 2026, American Express 1 April 2025, Discover 17 April 2019, Chargeflow, Mastercard rules and time limits, 18 August 2025
Issuer pre-arbitration: 45 days from the second presentment
Chargeflow, Mastercard rules and time limits, 18 August 2025, Chargebacks911, Mastercard chargeback process, 5 November 2025
Acquirer reply: 30 days
Chargeflow, Mastercard rules and time limits, 18 August 2025
Sources differ. Another reading is 10 days. The inventory records this as an unresolved conflict and says to confirm with your acquirer. Chargebacks911, Mastercard chargeback process, 5 November 2025
Arbitration: 30 to 75 days after the second presentment
Chargebacks911, Mastercard chargeback process, 5 November 2025
These are the network limits. Your acquirer often sets a shorter one, and theirs is the deadline that applies to you.
After you respond
- There is no second chargeback. After a second presentment the issuer can only go to pre-arbitration and then to arbitration, where fees run from 15 to 500 US dollars. Chargeflow, Mastercard rules and time limits, 18 August 2025, Chargebacks911, Mastercard chargeback process, 5 November 2025
What changed recently
- First-Party Trust: merchants share device, delivery, identity and purchase-history data at authorization or at dispute. Mastercard matches it against prior transactions and, where it validates, grants chargeback protection on 4837. Mastercard press release, First-Party Trust expansion, 25 June 2025, Justt, Mastercard First-Party Trust
- The US launch date for First-Party Trust is disputed: one source says October 2024, another October 2025, and Mastercard's own June 2025 release calls it already successful. It is expanding to Canada, Latin America and Asia Pacific. Chargeflow, Mastercard reason codes, updated 3 September 2026, Mastercard press release, First-Party Trust expansion, 25 June 2025, Justt, Mastercard First-Party Trust
Retired codes
Mastercard no longer files disputes under these. They are here because a dispute raised before the change still carries its original code, and because some processors still map them.
| Code | Name | Filed as |
|---|---|---|
| 4841 | Cancelled Recurring | Subscription canceled |
| 4855 | Goods Not Provided | Product not received |
| 4860 | Credit Not Processed | Credit not processed |
| 4859 | Addendum/No-show | Not in the processor map |
| 4863 | Does Not Recognize | Unrecognized |
| 4831 | Amount Differs | General |
| 4842 | Late Presentment | General |
| 4846 | Currency | General |
| 4840 | Legacy code | Not in the processor map |
| 4807 | Legacy code | Not in the processor map |
| 4812 | Legacy code | Not in the processor map |
Related
- Visa reason codes
- American Express reason codes
- Discover reason codes
- Evidence by reason
- Dispute statuses
Sources read 2026-09-08.
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