MasterCard Reason Codes

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Authorization

Reason code

Details

6322 Request Transaction Certificate for a Chip Transaction
This reason code is used when an issuer requests the Transaction Certificate (TC) for a chip-enabled (EMV) transaction.

Consumer Disputes

Reason code

Details

4853 Cardholder Disputes
This reason code applies when a cardholder disputes a transaction they believe is invalid.
4841 Canceled Recurring or Digital Goods Transactions
This reason code is used when a cardholder disputes a charge, claiming they were billed for a recurring transaction after canceling the subscription or for digital goods they did not authorize or receive.
4855 Goods or Services Not Provided
This reason code is used when a cardholder says they didn’t get the goods or services they paid for.
4863 Cardholder Does Not Recognize - Potential Fraud​
This reason code applies when a cardholder sees a transaction they don't recognize and suspects it might be fraudulent.
6321 Cardholder Does Not Recognize Transaction
This reason code is used when a cardholder does not recognize a transaction on their statement.
6343 IIAS Audit (for Healthcare Transactions Only)
This reason code is used when a transaction tied to a healthcare spending account is being audited.
4859 - Addendum, No-Show, or ATM Dispute
This reason code covers disputes related to unexpected add-on fees, no-show reservation charges, and ATM cash dispensing issues
4831 Transaction Amount Differs
This reason code applies when a cardholder disputes a transaction, claiming the amount charged differs from what they agreed to at the point of sale.
6305 Cardholder Does Not Agree with Amount Billed
This reason code is used when a cardholder questions the amount charged to their account, prompting the issuer to request additional information from the merchant.
6323 Cardholder Needs Information for Personal Records
This reason code is used when a cardholder requests additional information about a transaction for their records.
4834 Unreasonable Amount—Intra-European Economic Area (EEA) Transactions Only
This reason code applies when a cardholder disputes a transaction within the EEA, claiming the amount charged was unreasonable or incorrect.

Fraud

Reason code

Details

4870 Chip Liability Shift - Counterfeit Fraud
This reason code applies when a cardholder disputes a transaction, claiming it was unauthorized and involved a counterfeit card.
4871 Chip/PIN Liability Shift—Lost/Stolen/Never Received Issue (NRI) Fraud
This reason code applies when a transaction is disputed due to fraud involving a lost, stolen, or never received card, and the liability shifts under the EMV chip and PIN guidelines. 
6341 Fraud Investigation
This reason code is used when an issuer initiates a retrieval request to gather documentation related to a transaction under investigation for potential fraud.
4849 Questionable Merchant Activity
This code is used when a cardholder disputes a transaction due to suspected fraudulent activity associated with the merchant.
4837 No Cardholder Authorization
This code is used when a cardholder disputes a transaction, claiming they did not authorize or participate in it.

Processing Errors

Reason code

Details

4908 Invalid Acquirer Reference Data: Documentation Received
This reason code is used when the issuer disputes a representment due to mismatched or incorrect transaction data provided by the acquirer.
4903 Scanning Error - Unrelated Documents or Partial Scan
This reason code applies when an issuer receives documentation from the acquirer that doesn't relate to the disputed transaction or is incomplete due to a scanning error.
4901 Required Documentation Not Received to Support Prior Second Presentment
This reason code is used when an issuer disputes a second presentment from the acquirer, asserting that the necessary supporting documentation was not provided.
4902 Documentation Received Was Illegible
This reason code is used when an issuer receives supporting documentation from the acquirer that is too illegible to assess the validity of the second presentment.
4905 Invalid Acquirer Reference Data: Documentation Not Received or Not Required
This reason code is used when an issuer disputes a second presentment from the acquirer, claiming that the Acquirer Reference Data provided doesn't match the original transaction details, and no supporting documentation was received or required.
4812 Account Number Not on File (4808)
This reason code was used when a transaction was processed using an account number that the issuer did not recognize or have on file.
4808 Requested/Required Authorization Not Obtained
This reason code is used when a transaction is processed without obtaining the necessary authorization from the card issuer.
6342 Potential Chargeback or Compliance Documentation Required
This reason code is used when an issuer requests documentation to assess a transaction's validity, often as a precursor to a potential chargeback or compliance case.
4860 Credit Not Processed
This reason code is used when a cardholder claims that a credit or refund they were expecting was instead processed as a debit or purchase, resulting in an additional charge to their account.