Mastercard 4855 = 45-day deadline + same evidence as Visa 13.1. Delivery proof to AVS-matched address, fulfillment records, customer communication history, and identity-continuity signals. Mastercard has its own compelling-evidence framework (not CE 3.0) — issuer acceptance is not mandatory. Well-represented cases win 60–75%; digital-goods cases 35–55%.
What Mastercard 4855 covers
Mastercard 4855 is "Goods or Services Not Provided." Same conceptual category as Visa 13.1: cardholder claims they paid but never received.
Common triggers:
- Package took longer than expected
- Package marked delivered but not found
- Digital goods not provisioned
- Friendly fraud — goods arrived and were kept
45-day deadline
Mastercard gives merchants 45 calendar days from the chargeback date to respond. 15 more than Visa's 30 days.
Extra days matter for merchants without automation. Same acquirer caveats apply — some acquirers apply internal 30-day caps.
The evidence stack
Same 4-piece stack as Visa 13.1:
- Delivery proof — carrier tracking + POD image to AVS-matched address
- Fulfillment record — timestamped OMS record
- Customer communication — shipping notifications
- Identity continuity — prior transaction history
Format identically. Reference Mastercard rules in the narrative (not Visa CE 3.0).
Mastercard compelling evidence
Mastercard has its own compelling-evidence framework under the Mastercard Chargeback Guide. Similar structure to CE 3.0 but issuer acceptance is not mandatory.
Requirements:
- Two prior undisputed transactions from the same cardholder
- No minimum time window (Visa CE 3.0 requires 120 days)
- Matched by any identifier (IP, device, address, account ID)
Because acceptance isn't mandatory, results are more variable. Persuasive evidence, not binding. Win rates ~10 percentage points below equivalent Visa 13.1 + CE 3.0 cases.
Frequently asked questions
What is Mastercard 4855?
"Goods or Services Not Provided." Mastercard's equivalent of Visa 13.1 — non-receipt dispute.
What's the response deadline?
45 calendar days — 15 more than Visa. Some acquirers cap at 30 days.
Does CE 3.0 apply to Mastercard 4855?
No — CE 3.0 is Visa-specific. Mastercard has its own compelling-evidence framework but issuer acceptance is not mandatory.
Post reflects public documentation, industry surveys, and Aurai's own book of disputes as of the publish date. Visa, Mastercard, American Express, Discover, Stripe, PayPal, and Shopify are trademarks of their respective owners; Aurai is independent and not endorsed by any of them. Network rules change — always verify current official rules before acting on any specific tactic.