Mastercard 4863
Cardholder does not recognize — potential fraud
← All reason codes
What the cardholder is claiming
The cardholder did not recognise the charge on their statement, as distinct from claiming outright fraud. **Mastercard has retired this code**: it appears throughout the 2022 Chargeback Guide and nowhere in the current Merchant Edition, its cases having moved to 4837. Older disputes still carry it, which is why it is listed here. The practical answer was always the same — a statement descriptor the cardholder can recognise prevents the dispute far more reliably than winning it does.
Other Mastercard codes
- 4834Point-of-interaction error (duplicate / amount)
- 4837No cardholder authorization
- 4841Canceled recurring or digital goods transactions
- 4849Questionable merchant activity
- 4853Cardholder dispute (defective / not as described)
- 4855Goods or services not provided
- 4860Credit not processed
- 4870Chip liability shift
Defending a 4863
Riskopus assembles the evidence this code calls for from your own order, delivery and device data, and files it before the deadline.