Mastercard 4855 quick reference: Mastercard's equivalent of Visa 13.1 — cardholder claims they paid but never received goods or services. Merchant has 45 days to respond.
Cardholder's claim
"I paid but never received the goods or services."
Mastercard 4855 mirrors Visa 13.1 for non-receipt disputes. Same evidence stack applies: delivery proof or access proof, fulfillment records, customer communication, and identity-continuity signals.
Response deadline
45 days to submit representment. From the chargeback date.
Common triggers
- Package took longer than expected
- Package marked delivered, cardholder can't find it
- Digital goods not provisioned
- Friendly fraud — goods arrived and were kept
Required evidence
Delivery proof
Carrier tracking + POD to AVS-matched address.
Fulfillment record
Timestamped shipping records.
Customer communication
Shipping and delivery notifications.
Identity continuity
Prior transaction history from same cardholder.
Typical win rates
| Scenario | Win rate | Notes |
|---|---|---|
| Physical + delivery proof | 60–75% | Mastercard slightly stricter than Visa |
| Digital + access proof | 35–55% | Harder without physical delivery |
Win rates reflect Aurai's own book across Stripe, PayPal, and Shopify Payments as of July 2026, plus public MRC Global Fraud Survey 2024 baselines. Your results will vary.
Related reason codes
13.1Visa
Merchandise/Services Not Received
Cardholder claims they paid for merchandise or services but never received them by the expected delivery date. The most common ecommerce reason code.
C08Amex
Goods/Services Not Received or Only Partially Received
American Express equivalent of Visa 13.1 — cardholder claims they didn't receive what they paid for.
RGDiscover
Non-Receipt of Goods, Services, or Cash
Discover's equivalent of Visa 13.1 — cardholder claims non-receipt of purchased goods or services.
Frequently asked questions
What does Mastercard 4855 mean?
Mastercard 4855 is the reason code for "Goods or Services Not Provided." Mastercard's equivalent of Visa 13.1 — cardholder claims they paid but never received goods or services.
What's the response deadline for Mastercard 4855?
Merchants have 45 days to submit representment. From the chargeback date.
What evidence is required to fight Mastercard 4855?
Delivery proof, Fulfillment record, Customer communication, Identity continuity. Full detail in the Required evidence section above.
Can Aurai handle Mastercard 4855 automatically?
Yes — Aurai detects the reason code, assembles the specific evidence stack for it, and submits before the deadline. 25% only on disputes we win.
Reason code details reflect the current Mastercard rules as of July 2026 and may change. Mastercard is a trademark of its respective owner. Aurai is independent and not endorsed by Mastercard. Always check the current official rules before acting on any specific tactic.