4859 – Addendum, No-Show, or ATM Dispute

Dispute Condition Code

4859

Category

Cardholder Dispute

Message System

Choose a CONDITION below:

Transactions Involving a European Issuer or Acquirer

Why did I get this chargeback?

The cardholder claims not to have received cash or only received a partial amount from an ATM withdrawal.

How long can a cardholder wait to file this chargeback?

The maximum amount of time that can pass between the transaction processing date and the chargeback processing date is 120 calendar days.

What do I need to fight this chargeback?

Available chargeback response options include:

  • Proof the correct amount was disbursed to the cardholder

How can I avoid this chargeback in the future?

  • Reconcile ATMs promptly
  • Adjust out-of-balance ATMs
  • Process a credit as soon as possible if you notice a discrepancy.

Transactions Not Involving a European Issuer or Acquirer

Why did I get this chargeback?

Mastercard is in the process of updating chargeback management regulations. Issuers are currently allowed to use reason code 4859, however, this code will soon be eliminate.

For more information about chargebacks filed with this reasoning, please see:

Reason code 4853, conditions:

  • Addendum Dispute
  • “No-Show” Hotel Charge

Reason code 4834, conditions:

  • ATM Disputes
  • Charges for Loss, Theft, or Damage

More MASTERCARD Reason Codes

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