Reference pagesReason codes
Fraud
Mastercard 4871: Chip Liability Shift - Lost/Stolen/NRI Fraud
A Mastercard dispute reason code, what it asks you to prove, and what Do The Proof puts in the response.
What this code means
Lost/stolen chip card, no PIN
What the network says wins it
AUTH: chip + PIN data
- Authorization and processing records
How Do The Proof handles it
Arrives in Do The Proof as: Fraudulent
Proof this usually needs
- Customer email
- Billing address
- Shipping address
- Tracking number
- Delivery confirmation
- Customer name
- Checkout IP
- Access activity
What the app cannot collect for you
Access activity. If you have login, download or usage records for this customer, add them to your dispute response. Records like these live on your own systems rather than in Shopify, so they have to come from you.
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.
- Stripe, reason code categories Read 2026-09-08.
Other Mastercard fraud codes
Do The Proof drafts dispute responses for Shopify stores. Connect store