Mastercard 4853: Cardholder dispute (broad)

The sub-condition on your notice decides the letter. A 4853 letter that does not match the sub-condition will miss the accusation, even if the evidence is real.

What the code alleges

The sub-condition on your notice decides the letter. A 4853 letter that does not match the sub-condition will miss the accusation, even if the evidence is real.

The evidence that answers this accusation

• Not provided: delivery-scan tracking, address match, signature capture, or digital access and download logs
• Not as described: product page as shown on the purchase date, specs, invoice detail, and the support thread
• Cancelled recurring: terms the cardholder accepted, the cancellation log, and renewal notices sent
• Credit not processed: proof the refund was issued and dated, or documentation that no refund was due

Mastercard timing from the Chargeback Guide: second presentment within 45 calendar days of settlement, with supporting documents in English within 10 calendar days. Your processor date on the notice governs your case.

Fill-in letter outline

Name the sub-condition in the first paragraph, then build only the evidence for that sub-condition. Do not mix a delivery argument into a not-as-described case, or a product argument into a not-provided case. Close by requesting reversal and index every exhibit you cite.

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Representment guidance only. Always follow your acquirer's current filing instructions and the deadline on your processor notice.