MasterCard Message Reason Codes and Chargeback Categories

MasterCard Message Reason Codes and Chargeback Categories


MasterCard assigns a message reason code to each chargeback initiated by one of its card issuers. These codes specify the reason why the transaction is charged back and each of them specifies the time frame for the processor’s response. Time frames can vary anywhere between 45 – 120 days.


MasterCard message reason codes fall into five categories, depending on the chargeback reason:


Authorization-related chargebacks. The following message reason codes designate chargebacks resulting from authorization-related issues:

Reason Code

Description

Response Time Frame

4807 Warning Bulletin File 45 days
4808 Requested / Required Authorization Not Obtained 45 days
4812 Account Number Not On File 45 days


Fraud-related chargebacks. The following message reason codes designate chargebacks resulting from fraud-related issues:

Reason Code

Description

Response Time Frame

4837 No Cardholder Authorization 120 days
4840 Fraudulent Processing of Transactions 120 days
4847 Requested / Required Authorization Not Obtained and Fraudulent Transaction 120 days
4849 Questionable Merchant Activity 120 days
4862 Counterfeit Transaction Magnetic Stripe POS Fraud 120 days
4863 Cardholder Does Not Recognize — Potential Fraud 120 days
4870 Chip Liability Shift 120 days
4871 Chip / PIN Liability Shift 120 days


Cardholder dispute chargebacks. The following message reason codes designate chargebacks resulting from issues related to customer disputes:

Reason Code

Description

Response Time Frame

4841 Cancelled Recurring Transaction 120 days
4853 Cardholder Dispute — Defective Merchandise / Not as Described 120 days
4854 Cardholder Dispute — Not Elsewhere Classified (U.S. region only) 120 days
4855 Nonreceipt of Merchandise 120 days
4857 Card-Activated Telephone Transaction 120 days
4859 Services Not Rendered 120 days


Retrieval request and documentation required. The following message reason codes designate chargebacks resulting from issues related to retrieval requests and required documentation:

Reason Code

Description

Response Time Frame

4801 Requested Transaction Data Not Received 60 days
4802 Requested / Required Information Illegible or Missing 60 days
4863 Cardholder Does Not Recognize — Potential Fraud 120 days


Errors in processing or procedure. The following message reason codes designate chargebacks resulting from processing errors or procedural issues:

Reason Code

Description

Response Time Frame

4831 Transaction Amount Differs 120 days
4834 Duplicate Processing 120 days
4835 Card Not Valid or Expired 120 days
4842 Late Presentment 120 days
4846 Correct Transaction Currency Code Not Provided 120 days
4850 Credit Posted as Purchase 120 days
4860 Credit Not Processed 120 days


For more on chargebacks, review our Chargeback Resources.


Image credit: Wikimedia Commons.

Add Comment

Read more:
PCI Data Security Standard Compliance
PCI Data Security Standard Compliance

Close