Mastercard 4860
Credit not processed
The cardholder says a refund or credit you agreed never arrived. Either it was issued and you show it with a date and an amount, or it was owed and not issued. In the second case evidence will not change the outcome.
The evidence this code accepts
- 1
Refund or credit status
This one answer decides the code.
- 2
Refund date and amount
The reader matches it against the original charge.
- 3
The return policy and how it was shown
Establishes whether a refund was owed.
- 4
Whether the goods came back
A refund on unreturned goods depends on the policy the customer saw.
Where sellers lose this one
- A credit was issued as store credit with no policy supporting that.
Build the pack for Mastercard 4860
6 questions specific to this code, plus the order and the notice. No account. You see the assessment and what is missing before you pay anything.
USD 9.90 a pack when you get it. This prepares your evidence; the card network decides.
Rules checked 2026-09. Sources. Network rules change; if you find this page out of date, tell us and we will correct it.