Mastercard Chargeback Reason Code
Mastercard Reason Code 4871: Chip Liability Shift – Lost, Stolen, or Never Received Issue Fraud
Category FraudBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
Applicable EMV transactions
What Mastercard Reason Code 4871 Means
Mastercard reason code 4871 applies the EMV chip and PIN liability shift for fraud involving lost, stolen, or never-received cards used at terminals that did not support chip-and-PIN verification.
Why This Chargeback Happens
This dispute commonly occurs when a lost, stolen, or intercepted card is used fraudulently at a terminal that did not support or complete chip-and-PIN cardholder verification, shifting liability to the non-compliant party.
What the Cardholder or Issuer Is Claiming
The issuer is asserting that fraud on a lost, stolen, or never-received card occurred at a terminal that did not properly perform chip-and-PIN verification.
What Merchants Should Review
Review the terminal's chip-and-PIN capability, the cardholder verification method used, the transaction entry mode, and the authorization data for the disputed sale.
Recommended Chargeback Evidence
- Records showing chip-and-PIN verification was completed
- Cardholder verification method data for the transaction
- Transaction entry-mode data confirming EMV processing
- Evidence the terminal supported chip-and-PIN at the time of sale
How to Prevent Similar Disputes
Lost or stolen chip liability disputes may be reduced by using terminals that support chip-and-PIN verification, ensuring correct cardholder verification, keeping terminal software current, and avoiding fallback transactions where possible.
Important Limitations
This page is educational and reflects common industry usage. Mastercard EMV chip-and-PIN liability rules apply only to applicable transactions and change over time. Merchants should confirm current requirements with their acquirer or processor before responding to any dispute.
Relevant Payment Defender Products
AlertBridge™
AlertBridge™ may help merchants intercept fraud disputes as alerts before they become chargebacks.
Explore AlertBridge™
Related Reason Codes
Sources and Review Information
- Mastercard: Mastercard Chargeback Guide
Last reviewed July 17, 2026
Chargeback rules, evidence requirements, and response options may vary by card network, region, processor, and dispute circumstances.