What is the win rate for Mastercard 4860 disputes?

Industry-observed representment win rate for Mastercard 4860 (Credit Not Processed) averages around 70% when the correct evidence is submitted within the network's response window.

What evidence is required to fight a Mastercard 4860 chargeback?

To dispute Mastercard 4860, acquirers typically require: Refund receipt; Refund policy T&Cs.

Mastercard · 4860Processing70% industry win rate

Credit Not Processed

Promised refund not issued.

Required evidence

Refund receipt
Refund policy T&Cs

Playbook

Submit refund settlement proof or policy denying refund.

Amavest auto-bundles this

When a dispute hits your Stripe account with code 4860, Amavest pulls the evidence above, drafts the response, and submits it before the deadline.

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Related processing codes

Frequently asked questions

What does Mastercard chargeback reason code 4860 mean?: Promised refund not issued.
What is the win rate for Mastercard 4860 disputes?: Industry-observed representment win rate for Mastercard 4860 (Credit Not Processed) averages around 70% when the correct evidence is submitted within the network's response window.
What evidence is required to fight a Mastercard 4860 chargeback?: To dispute Mastercard 4860, acquirers typically require: Refund receipt; Refund policy T&Cs.
How should a merchant respond to a Mastercard 4860 dispute?: Submit refund settlement proof or policy denying refund.