Mastercard 4863
Cardholder does not recognise, potential fraud
The cardholder does not recognise the charge on their statement. Often this is not fraud at all but a descriptor problem. The evidence that answers it is the order record tying the charge to a real customer, plus what your statement descriptor actually says.
The evidence this code accepts
- 1
The order record with customer name and email
Connects the charge to a named buyer.
- 2
Your statement descriptor
A descriptor that does not match your trading name causes most of these.
- 3
Delivery or supply record
Shows something real was received.
- 4
AVS and CVV results
Confirms the card details were held by the buyer.
- 5
IP address and account used
Ties the order to the cardholder's own session.
- 6
Prior orders from the same customer
A returning customer rarely does not recognise you.
Where sellers lose this one
- They never mention the descriptor, which is usually the whole explanation.
- They treat it as fraud and send a fraud rebuttal to a recognition problem.
Build the pack for Mastercard 4863
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 Network rules change; if you find this page out of date, tell us and we will correct it.