Mastercard 4870: Chip Liability Shift
FraudDefense: WeakMATCH relevance: Moderate
Issuer filing window
120 days from transaction date
Merchant response window
45 days
Counterfeit chip card processed at a non-EMV-capable terminal. Mastercard equivalent of Visa 10.1.
Playbook note: Same EMV liability framework as Visa. Terminal compliance is the only durable mitigation.
Compelling evidence for 4870
- Receipt with chip-read indicator (if applicable)
- EMV terminal certification
Mastercard 4870 questions.
How long do I have to respond to a Mastercard 4870 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 4870?
The issuer filing window for 4870 is 120 days from transaction date.
How hard is 4870 to defend?
Defense difficulty for this code is rated Weak in our catalogue. Same EMV liability framework as Visa. Terminal compliance is the only durable mitigation.