Mastercard 4837
No cardholder authorization
← All reason codes
What the cardholder is claiming
The cardholder told their bank they did not authorise the payment. Mastercard requires the issuer to report the transaction as fraud on or before the day it charges back, and to attach either the cardholder's own statement or a completed Dispute Resolution Form-Fraud. A merchant answers with compelling evidence — the rules name airline, recurring, e-commerce and mail or telephone order transactions — or by showing the same account transacted before without dispute.
Other Mastercard codes
- 4834Point-of-interaction error (duplicate / amount)
- 4841Canceled recurring or digital goods transactions
- 4849Questionable merchant activity
- 4853Cardholder dispute (defective / not as described)
- 4855Goods or services not provided
- 4860Credit not processed
- 4863Cardholder does not recognize — potential fraud
- 4870Chip liability shift
Defending a 4837
Riskopus assembles the evidence this code calls for from your own order, delivery and device data, and files it before the deadline.