What the issuer is asking
The code alone does not tell you what to prove. The notice carries a sub-condition, and that is the line that matters.
Find it before you gather anything. Goods not provided needs delivery; not as described needs the listing; cancelled recurring needs the cancellation record.
Mastercard also expects the cardholder to have contacted you first. If they did not, that is part of your answer.
filing window
The cardholder normally has 120 days from the transaction or the expected delivery date, depending on the sub-condition.
Your processor states its own deadline on the notice, usually shorter than the 45 days above. That printed date is the one that binds you. Work to it.
The exhibits Mastercard 4853 turns on
6 exhibits · 4 decisive
Decisive exhibits can answer this code on their own. Supporting exhibits are worth attaching and never worth relying on.
- 01decisive
The notice itself, read for the sub-condition
Goods or services not provided, not as described, counterfeit, credit not processed, cancelled recurring, or an addendum charge. Everything else follows from this.
- 02decisive
Carrier proof of delivery
For the not-provided and not-received sub-conditions, this is the whole case.
- 03decisive
The listing or specification at the time of sale
For not as described. Captured and dated, as it appeared then.
- 04decisive
Cancellation and billing records
For cancelled recurring: when the cardholder cancelled, when billing stopped, and the terms they accepted.
- 05strong
Refund or credit record
For credit not processed: the date, amount and reference of the credit you issued.
- 06strong
Your inbox and returns log
Evidence the cardholder never raised it with you before filing.
Arguments that carry weight
- yesEvidence matched to the exact sub-condition named in the notice, and nothing else.
- yesCarrier proof of delivery, for anything in the not-received family.
- yesA dated capture of the listing as it stood, for not as described.
- yesA credit already processed, with its reference.
Arguments that lose this code
- noA general defence of the sale that answers no sub-condition in particular.
- noCancellation terms the cardholder was never shown.
- noContinued billing after a cancellation request in writing.
- noProof of dispatch where the sub-condition is not as described.
the common misreading
Mastercard 4853 is four disputes wearing one number
The most common loss on this code is a merchant answering the wrong sub-condition. The sub-condition is printed in the notice. Quote it back in your first line.
You know what to prove. The file is the part that takes a week.
Upload the notice and everything you already hold. You get a dated timeline, a rebuttal argued against Mastercard 4853 and numbered exhibits, as one PDF.
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related codes
- Visa 13.1merchandise or services not received
- Visa 13.3not as described or defective merchandise
- Mastercard 4837no cardholder authorisation
where you file it
stripe·shopify·paypal·mollie·klarna·adyen
We build the file, the issuer decides.