ChargebackKit
MastercardFraudUpdated June 2026

Mastercard Reason Code 4871: Chip Liability Shift — Lost / Stolen / Never Received Fraud

Fraud occurred on a lost, stolen, or never-received card in a card-present transaction that was not completed with chip-and-PIN, shifting liability to the merchant.

Respond within ~45 days
Winnable with strong evidence

Your strongest argument

The chip was read and PIN-verified at an EMV-certified terminal, so liability for lost/stolen-card fraud did not shift to the merchant.

Evidence that wins a Mastercard 4871 dispute

  • Records that the terminal was EMV chip-and-PIN certified and the chip was read
  • Proof PIN verification was performed at the point of sale
  • Transaction record showing chip (not magstripe) acceptance
  • Authorization and settlement records

Ordered strongest first — lead your rebuttal with the items at the top.

Source: Mastercard Chargeback Guide. The Mastercard rulebook defines this code and its dispute framework; the issuer decides every dispute and sets the exact deadline shown in your processor dashboard.

Not sure you have enough to win?

Run a free 60-second readiness check for Mastercard 4871. Answer a few yes/no questions and get a 0–100 score, a green/amber/red evidence checklist, and your exact response deadline — no signup.

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How processors label this dispute

ProcessorWhat you'll see
Stripereason: fraudulent

Where to pull this evidence

Prove the genuine cardholder made and benefited from the purchase. Authentication data wins these. Here's exactly where the relevant records live in each processor dashboard — gather them free before you build your pack.

Stripe

Dashboard → Payments → Disputes (or the email alert from Stripe).

  • AVS & CVC check results: Open the original payment → Payment details → "Checks" (CVC, ZIP, address).
  • Customer email, IP, and device: Payment → Customer section and the "Risk insights" / Radar panel.
  • Receipt / order confirmation: Payment → "Send receipt" or your order-management system; export the PDF.
  • Refund history & reference IDs: Payment → Timeline shows any refunds with their re_… reference IDs.

Shopify Payments

Shopify admin → Orders → the flagged order → "Chargeback" banner, or Settings → Payments → Manage disputes.

  • Order & fulfillment details: Orders → the order → Fulfillment + Timeline (shows when items shipped).
  • Tracking number & carrier: Orders → Fulfillment → tracking; confirm "Delivered" status with the carrier.
  • Customer info & IP: Order → Customer section; Order → Additional details / fraud analysis for IP and AVS/CVV.
  • Fraud analysis (AVS/CVV/risk): Order → "Fraud analysis" panel shows AVS, CVV, and Shopify’s risk indicators.

Square

Square Dashboard → Disputes (or Balance → Disputes), or the email from Square.

  • Transaction & receipt: Transactions → the payment → receipt; "Resend receipt" for a copy.
  • Card-present / chip details: Transaction detail shows entry method (chip, tap, keyed) — chip reads support card-present disputes.
  • Customer details: Customer Directory → the customer; or the transaction’s customer section.
  • Itemization & amount: Transaction → itemized breakdown to rebut "incorrect amount" claims.

PayPal

PayPal → Resolution Center → the open case (Dispute, Claim, or Chargeback).

  • Transaction details & ID: Activity → the transaction → details; note the Transaction ID.
  • Proof of delivery / tracking: Resolution Center → "Respond" → add tracking number + carrier (PayPal validates delivery).
  • Proof of shipment / service: Resolution Center evidence upload: invoice, shipment receipt, or service-completion proof.
  • Buyer communication: Resolution Center message thread + your own email records with the buyer.

Build a submission-ready Mastercard 4871 response

ChargebackKit assembles your evidence into a formatted, labeled rebuttal pack with the exhibits and response letter card networks expect — pre-mapped to Fraudulent / Unauthorized disputes.

Build your evidence pack — $19

Or run the free readiness check first.

Frequently asked questions

What is Mastercard reason code 4871?↓
Mastercard 4871 ("Chip Liability Shift — Lost/Stolen/Never Received Fraud") is filed when fraud on a lost, stolen, or never-received card occurs in a card-present transaction that was not completed with chip-and-PIN.
How do I win a Mastercard 4871?↓
Provide records that the terminal was EMV chip-and-PIN certified, the chip was read, and PIN verification was performed. Falling back to magstripe on a chip card without a valid fallback procedure makes the dispute difficult to contest.
How is 4871 different from 4870?↓
4870 covers chip-liability-shift disputes where the fraud is counterfeit; 4871 covers the lost, stolen, or never-received-card variant. The evidence is similar — proof of proper EMV chip-and-PIN acceptance.

Where to go next

Build the pack for Fraudulent / Unauthorized disputes, or dig into the matching guide, template, and processor evidence requirements.

Build the pack for this dispute

Updated June 2026. This code’s meaning and evidence requirements are sourced from the Mastercard Chargeback Guide and may change as Mastercard revises its rules; always check your processor dashboard for the exact deadline and label on your dispute. The issuer decides every dispute — there is no guaranteed outcome.