Reason Code 4853Credit Not Processed

↩  Back to Directory


Card Issuer


Reason Code



Cardholder Dispute


This reason code is transitioning from the legacy code 4860. The cardholder claims they expect a credit, but the merchant hasn't processed the request.


The merchant:

  • Didn't acknowledge a cancellation or return.
  • Refuses to process a reversal or credit.
  • Is sticking to the return or cancellation policy which they didn't clearly explain to the cardholder.


Cardholders and issuers have 120 days to file a dispute related to the claim against the merchant.

Merchants have 45 days to respond to the claim in dispute.

Steps to Prevention

  • Explain the return policy to your customers, including any associated costs. You can disclose this policy on transaction receipts, on the checkout page, or on your store wall.
  • Process cancellations or refund requests in good time.
  • Don't acknowledge the delivery of a return if it's not according to the return policy.
  • Explain to the customer why you'll credit a reduced amount.
Mastercard Merchant Official Documentation
Sign up for our newsletter
2024 Justt Ltd. All rights reserved.