No Cardholder Authorization
Category: Fraud
Merchant response window
45 days
Cardholder filing window
120 days (up to 540 in select cases)
TLID
Relevant
What triggers it
Cardholder claims the transaction was unauthorized.
What to check first — evidence for representment
Transaction-level evidence: device fingerprint, IP address, account history showing prior undisputed transactions from the same cardholder, delivery confirmation to cardholder address, billing/shipping address match.
Primary Mastercard fraud code — the analogue to Visa 10.4. No Compelling Evidence equivalent exists for Mastercard; defence relies entirely on transaction-level documentation. 120-day filing window; up to 540 days in select jurisdictions or for cases involving underage cardholders. TLID (Transaction Linkage ID, 22 characters, introduced June 11, 2024) is required across authorization, clearing, and single message systems to link original and related transactions — PSPs that haven't updated their integration will produce matching failures in recurring and related-transaction disputes.
Full reference
Mastercard Mastercom Dispute Categories Reference