Why it happens
- A domestic transaction was disputed under rules specific to that country.
Mastercard4999Customer dispute
Domestic Chargeback Dispute (Europe Region Only)
Used only in Europe, for disputes between an issuer and an acquirer in the same country under local rules. The reason behind it depends on the domestic rules of that country.
What to send to fight it
- The documents asked for by the domestic rules, as explained by your acquirer.
- Proof of delivery or usage, and the terms the cardholder accepted.
- Proof a refund or reversal was already processed.
How to prevent it
- Ask your acquirer which domestic rules apply to your transactions.
- Keep receipts, terms and delivery records for every sale.
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
- 4871Chip/PIN 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
Sources (1)
- Mastercard Chargeback Guide, Merchant Edition (19 May 2026) · checked 2026-11-09
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