What is the win rate for Mastercard 4863 disputes?

Industry-observed representment win rate for Mastercard 4863 (Cardholder Does Not Recognize) averages around 68% when the correct evidence is submitted within the network's response window.

What evidence is required to fight a Mastercard 4863 chargeback?

To dispute Mastercard 4863, acquirers typically require: Merchant descriptor clarity; Confirmation email of purchase; Prior undisputed purchases from same card; Order history + shipping address.

Mastercard · 4863Fraud68% industry win rate

Cardholder Does Not Recognize

Cardholder does not recognize the transaction on their statement.

Required evidence

Merchant descriptor clarity
Confirmation email of purchase
Prior undisputed purchases from same card
Order history + shipping address

Playbook

This code has the highest win rate — the customer usually just forgot. Submit the confirmation email + descriptor + order history.

Amavest auto-bundles this

When a dispute hits your Stripe account with code 4863, Amavest pulls the evidence above, drafts the response, and submits it before the deadline.

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Frequently asked questions

What does Mastercard chargeback reason code 4863 mean?: Cardholder does not recognize the transaction on their statement.
What is the win rate for Mastercard 4863 disputes?: Industry-observed representment win rate for Mastercard 4863 (Cardholder Does Not Recognize) averages around 68% when the correct evidence is submitted within the network's response window.
What evidence is required to fight a Mastercard 4863 chargeback?: To dispute Mastercard 4863, acquirers typically require: Merchant descriptor clarity; Confirmation email of purchase; Prior undisputed purchases from same card; Order history + shipping address.
How should a merchant respond to a Mastercard 4863 dispute?: This code has the highest win rate — the customer usually just forgot. Submit the confirmation email + descriptor + order history.