Mastercard · Chargeback reason codes
Mastercard 4999 chargeback: Domestic Chargeback Dispute (Europe only)
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Mastercard reason code 4999, Domestic Chargeback Dispute, is used only in Europe for domestic transactions where the country's domestic rules allow a chargeback that cannot be processed under any other Mastercard reason code. Time limits and evidence come from those domestic rules, and arbitration is handled domestically rather than by Mastercard. If you sell to European cardholders through a European acquirer, ask your processor which domestic rule applies.
- Category
- Domestic (Europe only)
- Time limit for the bank to file
- Set by the domestic rules
- Time limit to respond
- Your processor's deadline (on Stripe usually 7–21 days); Mastercard gives the acquirer 45 days from the chargeback for a second presentment
- Typical evidence
- Whatever the domestic rule requires
- Can it be prevented?
- Depends on the domestic rule
- Who usually wins
- Decided under domestic rules
What PlatformDTC does
PlatformDTC answers this kind of dispute with its standard evidence pack built from the order: customer name, email, IP address, billing and shipping address, items bought, carrier, tracking and ship date, the refund policy, and any refund already issued. With "Answer a chargeback automatically" switched on, it sends the response to the bank for you before the deadline.
What it means
A catch-all for domestic European chargebacks allowed by local rules that do not fit another Mastercard code.
Why customers file it
Local consumer rules that give cardholders a right Mastercard's global codes do not cover.
Evidence that wins
Any second presentment can also show that a refund was already issued, or that the chargeback was invalid (late, a duplicate, or missing the required documents).
- The evidence the applicable domestic rule requires
- Order records, receipts and delivery proof
How to prevent it
- Know the domestic rules in the European markets you sell to
For developers
On Stripe the dispute object arrives with reason "general" and the card network's own code in payment_method_details.card.network_reason_code; listen for charge.dispute.created and read evidence_details.due_by for the deadline.
Arbitration for 4999 is handled domestically.
Frequently asked questions
- Does 4999 apply in the US?
- No. Mastercard limits 4999 to domestic transactions in Europe.
- Who decides a 4999 arbitration?
- It is handled domestically, not by Mastercard.
Sources
Related
- 4853 — The umbrella cardholder dispute: not received, not as described, refund missing, cancelled subscription.
- 4855 — Legacy "goods or services not provided" code; the claim now sits under 4853 Cardholder Dispute.
- 4860 — Legacy "credit not processed" code; the claim now sits under 4853 Cardholder Dispute.
- 4841 — Legacy code for cancelled recurring billing or digital goods; now under 4853.
- 4831 — Legacy "transaction amount differs" code; now a 4834 Point-of-Interaction Error claim.
- 4863 — Legacy code: the cardholder does not recognize the transaction and suspects fraud.
- 4837 — The cardholder says they did not authorize the purchase. Mastercard's main fraud chargeback.