What is this reason code?
Mastercard code for unauthorized online transactions. The cardholder claims they have no knowledge of the purchase.
Representment & Winning Strategy
Submit evidence that the account owner actively initialized and utilized the service. While Mastercard does not have the exact Visa CE 3.0 120-day rules, providing a transaction log showing matching IP addresses, email communication, and client profile detail will help issuers reject friendly fraud.
Required Evidence Checklist
To successfully reverse this chargeback, you should gather the following evidence. Verdact automates the ingestion of these files and links them to the dispute details:
- ✓Detailed checkout logs with billing country matching IP location.
- ✓Profile information showing domain ownership (e.g. company email matched to business domain).
- ✓Platform usage logs showing activity and profile setup.
- ✓Prior payment history or interactions.
Source: Mastercard Chargeback Guide, Fraud chapter — MRC 4837 (No Cardholder Authorization) · As of: 2025 edition on file. Card network rules change; verify current terms with the network or your processor before relying on this page to file. Reviewed against Verdact's primary-source rulebook extracts as of July 2026.
Fight this dispute before the network deadline
Connect your Stripe account in test mode to automatically scan your dispute profiles, build a Chain of Intent evidence record, and review the final response packet.
Free during beta. Nothing is filed without you.