MastercardConsumer Dispute
Mastercard Reason Code 4860
Credit Not Processed
What the cardholder claims
"Merchant agreed to refund but never issued it."
Win rate
10-20%
With proper evidence
Response deadline
120 days
From dispute filing
Required evidence (in priority order)
- 1
refund_documentation
Response strategy
Provide processor-side proof refund was actually sent. Same as Visa 13.6.
Stripe category
credit_not_processedStripe 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.