MastercardFraud
Mastercard Reason Code 4837
No Cardholder Authorization
What the cardholder claims
"Cardholder did not authorize this transaction."
Win rate
55-65%
With proper evidence
Response deadline
45 days
From dispute filing
Required evidence (in priority order)
- 1
customer_purchase_ip - 2
customer_email_address - 3
shipping_address - 4
shipping_documentation - 5
prior_purchase_history
Response strategy
Equivalent to Visa 10.4. Focus on proving cardholder identity — IP matching, address matching, prior orders.
Stripe category
fraudulentStripe maps this network-level code to this simplified category.
Responding to this chargeback?
Rebutto packages these exact evidence fields into the format Stripe requires. First dispute free on the Shopify App, or $9.99 on the web tool.