Why it happens
- A lost or stolen card was used at a terminal without PIN support.
- The PIN step was skipped or the stripe was used instead of the chip.
Mastercard4871Fraud
Chip/PIN Liability Shift
The cardholder says a lost, stolen or never-received chip-and-PIN card was used in person without their permission. The merchant is liable because its terminal could not verify the PIN.
What to send to fight it
- Terminal records showing the chip was read and the PIN was verified.
- Proof the terminal supported PIN at the time of the sale.
- Proof a refund or reversal was already processed.
How to prevent it
- Use terminals that support chip and PIN.
- Do not bypass the PIN prompt.
Summaries written by NoChurn from the networks’ public rules and processor documentation. Networks update their rules and deadlines depend on your processor: check its documentation before you respond.
Other Mastercard codes
- 4808Authorization-related Chargeback
- 4837No Cardholder Authorization
- 4840Fraudulent Processing of Transactions
- 4849Questionable Merchant Activity
- 4863Cardholder Does Not Recognize—Potential Fraud
- 4870Chip Liability Shift
- 4834Point-of-Interaction Error
- 4831Transaction Amount Differs
- 4842Late Presentment
- 4846Correct Transaction Currency Code Not Provided
- 4853Cardholder Dispute
- 4854Cardholder Dispute—Not Elsewhere Classified (U.S. Region Only)
- 4841Cancelled Recurring or Digital Goods Transactions
- 4855Goods or Services Not Provided
- 4859Addendum, No-show, or ATM Dispute
- 4860Credit Not Processed
- 4999Domestic Chargeback Dispute (Europe Region Only)
Sources (1)
- Mastercard Chargeback Guide, Merchant Edition (19 May 2026) · checked 2026-11-09
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