Mastercard reason code
Mastercard reason code 4837: No Cardholder Authorization
The cardholder says they did not authorise or participate in the transaction.
Network: MastercardCategory: FraudResponse window: ~45 days
What Mastercard 4837 means
Mastercard 4837 is a no-cardholder-authorization dispute: the cardholder says they did not authorise or participate in the transaction. It is Mastercard's core fraud code.
When issuers use it
Issuers raise 4837 when a cardholder reports a charge they did not make, typically card-not-present fraud.
Mistakes that lose this dispute
- Not capturing AVS and CVV at checkout
- Granting access to unverified details
- Treating 'does not recognize' as automatically lost; a clear billing descriptor often resolves it
FAQ
Frequently asked questions
How do I fight a card-not-present fraud chargeback?
Show the transaction came from the real cardholder: AVS and CVV match, login and device records, and proof they used the service. The more identity evidence, the stronger your case.
The customer says they don't recognize the charge. What now?
Often this is a forgotten purchase. A clear billing descriptor, the purchase record and proof of use usually resolve a does-not-recognize dispute.