Mastercard reason codes: rules, deadlines, evidence

Authorization

2 published reason codes

4808

Authorization missing, invalid, or outside its protection period
Authorization
4812

Account number not on file and required authorization not obtained
Authorization

Point-of-Interaction Error

4 published reason codes

4831

The charged amount differs from the agreed amount
Point-of-Interaction Error
4834

Point-of-interaction processing error
Point-of-Interaction Error
4846

DCC without consent or an incorrectly processed currency
Point-of-Interaction Error
4850

Installment charge processed outside the cardholder’s agreement
Point-of-Interaction Error

Fraud

4 published reason codes

Cardholder Dispute

6 published reason codes

A reason code shows which rule applies, but it does not determine on its own whether a case is worth disputing. Sparsu also considers the transaction amount, dispute cost, your chargeback history, and evidence quality before recommending the next step. See how this works on the platform. Need the other card scheme? Browse the Visa reason codes.

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Solutions

Mastercard chargeback reason codes

Mastercard reason codes

Authorization

4808

4812

Point-of-Interaction Error

4831

4834

4846

4850

Fraud

4837

4849

4870

4871

Cardholder Dispute

4841

4853

4854

4855

4859

4860

What we need to analyze your chargebacks.

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