Mastercard 4837 — No Cardholder Authorization
Fraud chargeback.
Code
4837 MastercardCategory
Fraud
What it means
The cardholder says they did not authorize the transaction. Now also covers the former 4863 "does not recognize" condition.
Evidence that wins
3D Secure authentication, AVS/CVC match, device/IP data, delivery to verified address, prior undisputed purchases.
How to prevent it
Use 3D Secure, clear billing descriptor, fraud screening.
Rules and deadlines differ by region and acquirer — always check the instructions in your PSP dashboard.