What is Mastercard chargeback reason code 4870?

Chip Liability Shift. Counterfeit fraud on a chip card at a non-chip (swipe) terminal.

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Mastercard 4870 — Chip Liability Shift

Fraud chargeback.

Code

4870 Mastercard

Category

Fraud

What it means

Counterfeit fraud on a chip card at a non-chip (swipe) terminal.

Evidence that wins

Proof the transaction was chip-read.

How to prevent it

Use EMV terminals.

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