Mastercard reason code
Mastercard reason code 4855: Goods or Services Not Provided
The cardholder paid but did not receive what was purchased.
Network: MastercardCategory: Cardholder DisputeResponse window: ~45 days
What Mastercard 4855 means
Mastercard 4855 is goods or services not provided: the cardholder paid but did not receive what was purchased. It is Mastercard's non-delivery dispute.
When issuers use it
Issuers raise 4855 when a client reports non-delivery after the expected date, common for prepaid services.
Mistakes that lose this dispute
- Submitting only the invoice, with no proof the service was delivered
- Relying on verbal or undated delivery with no written record
- Missing the response deadline, which forfeits the dispute automatically
FAQ
Frequently asked questions
How do I prove a service was delivered?
Show a dated record of each deliverable or session, plus any message where the client acknowledged it. Services have no tracking number, so your own delivery log and the client's written engagement are the proof that wins.
Can I win if the client just says they never got it?
Yes, when your evidence shows otherwise. A signed agreement, a dated delivery log and messages where the client engaged with the work outweigh an unsupported claim of non-delivery.