Mastercard reason code
Mastercard reason code 4863: Cardholder Does Not Recognize
The cardholder cannot identify the charge and suspects fraud.
Network: MastercardCategory: FraudResponse window: ~45 days
What Mastercard 4863 means
Mastercard 4863 is 'cardholder does not recognize': the cardholder does not recognise the transaction and suspects fraud. Often it is a forgotten or unclear-descriptor purchase rather than true fraud.
When issuers use it
Issuers file 4863 when a cardholder cannot identify a charge on their statement and flags it as potentially fraudulent.
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.