Following is the list of Chargeback Reason Codes used by MasterCard:
MasterCard Chargeback Reason Codes |
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Reason Code |
Category |
Description |
| 4802 | Request for Information | Requested/Required Item Illegible or Missing |
| 4803 | Request for Information | Documentation received was invalid/incomplete |
| 4804 | Processing Error | Duplicate Processing |
| 4807 | Authorization Error | Warning Bulletin File |
| 4808 | Authorization Error | Requested/Required Authorization Not Obtained |
| 4812 | Authorization Error | Account Number Not on File |
| 4831 | Processing Error | Transaction Amount? |
| 4834 | Processing Error | Duplicate Processing |
| 4835 | Authorization Error | Card Not Valid or Expired |
| 4837 | Fraud | No Cardholder Authorization |
| 4840 | Fraud | Fraudulent Processing of Transactions |
| 4841 | Cancelled/Returned by Cardholder | Canceled Recurring Transaction |
| 4842 | Processing Error | Late Presentment |
| 4846 | Processing Error | Correct Transaction Currency Code Not Provided |
| 4847 | Processing Error | Unauthorized transaction exceed floor limit |
| 4849 | Fraud | Questionable Merchant Activity |
| 4850 | Processing Error | Credit Posted as a Purchase |
| 4853 | Cancelled/Returned by Cardholder | Cardholder Dispute Defective/ Not as Described |
| 4854 | Processing Error | Cardholder Dispute-Not Elsewhere Classified |
| 4855 | Non-Receipt of Goods or Services | Non-Receipt of Merchandise |
| 4857 | Fraud | Card-Activated Telephone Transaction |
| 4859 | Non-Receipt of Goods or Services | Services Not Rendered |
| 4862 | Fraud | Counterfeit Transaction Magnetic Stripe POS Fraud |
| 4863 | Request for Information | Cardholder does not recognize - Possible Fraud |
| 4903 | Other | Documentation received was invalid/incomplete |
| 4905 | Other | Invalid Acq Ref Data on Second Presentment |
| 98 | Other | Good Faith Collection |
| 99 | Other | Pre-Compliance |
Master Card Chargeback Codes | Visa Chargeback Codes | Amex Chargeback Codes | Discover Chargeback Codes
CyoGate offers numerous tools and techniques to keep chargeback ratios under control including full chargeback prevention services. If you need help managing chargebacks, please contact us today!
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An Internet Merchant Account is sometimes referred to as a "MOTO" (Mail Order & Telephone Order) Account because they all require the ability to process a credit card payment when there is no physical credit card present to be swiped. A standard retail "swipe" merchant account does not allow processing of these "card-not-present" transactions.
If the domestic banks are denying your merchant application because they believe your industry is considered high risk, CyoGate can help! We have an offshore network of merchant processing partners that enable us to provide low cost, high risk merchant solutions to a much wider range of businesses and industries.
The CyoGate Internet Payment Gateway offers one of the quickest and most cost effective ways to accept and process credit card and electronic check payments online. Our payment gateway works with most existing merchant accounts and supports hundreds of popular web shopping carts and eCommerce platforms.