Reference pagesReason codes
Miscellaneous
Mastercard 4854: Cardholder Dispute - Not Elsewhere Classified (US)
A Mastercard dispute reason code, what it asks you to prove, and what Do The Proof puts in the response.
What this code means
US-only; cardholder tried in good faith to resolve
What the network says wins it
corrected the deficiency that led to the chargeback
or refund previously issued
- Proof of delivery, or proof the service was used
- The description or contract the purchase was made under
How Do The Proof handles it
Arrives in Do The Proof as: nothing. The sources do not record a label for this code, so a dispute carrying it arrives without one.
How long you have to respond
- Second presentment
- 45 days from the chargeback
- Issuer pre-arbitration
- 45 days from the second presentment
- Acquirer reply
- 30 daysThe inventory records this as an unresolved conflict and says to confirm with your acquirer. The other reading is 10 days.
- Arbitration
- 30 to 75 days after the second presentment
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.
Where this comes from
- Mastercard, Chargeback Guide Merchant Edition, 13 May 2025 Read 2026-09-08.
- Chargeflow, Mastercard reason codes, updated 3 September 2026 Read 2026-09-08.
Other Mastercard miscellaneous codes
Do The Proof drafts dispute responses for Shopify stores. Connect store