Mastercard 4853: Cardholder Dispute (general)
Issuer filing window
120 days from receipt or expected service date (up to 540 days)
Merchant response window
45 days
Mastercard's broad cardholder-dispute code covering many sub-conditions: goods or services not provided, defective merchandise, credit not processed, recurring transaction dispute, misrepresentation, addendum dispute, and others.
Playbook note: The most common Mastercard dispute code, exact defense depends on the sub-condition cited. Always read the issuer's chargeback message for the specific sub-reason.
Compelling evidence for 4853
- Sub-condition-specific evidence (delivery confirmation, product description, refund record, cancellation log, etc.)
- Itemized receipt
- Merchant communication with cardholder
Mastercard 4853 questions.
How long do I have to respond to a Mastercard 4853 chargeback?
45 days from notification. Missing the response window normally forfeits the dispute, whatever the merits of your case.
How long can the issuer wait before filing 4853?
The issuer filing window for 4853 is 120 days from receipt or expected service date (up to 540 days).
How hard is 4853 to defend?
Defense difficulty for this code is rated Mixed in our catalogue. The most common Mastercard dispute code, exact defense depends on the sub-condition cited. Always read the issuer's chargeback message for the specific sub-reason.