ToolerCat / Chargeback Reason Codes / Mastercard 4863 — Cardholder Does Not Recognize — Potential Fraud

Mastercard 4863 — Cardholder Does Not Recognize — Potential Fraud

Fraud chargeback · legacy: now handled as 4837.

Code
4863 Mastercard legacy: now handled as 4837
Category
Fraud
What it means
The cardholder does not recognize the transaction on the statement.
Evidence that wins
Proof of purchase and clear descriptor.
How to prevent it
Use a recognizable billing descriptor with your brand and support phone.

Rules and deadlines differ by region and acquirer — always check the instructions in your PSP dashboard.

All chargeback codes → Decline codes