Mastercard 4855
Goods or Services Not Provided
Category: Cardholder Disputes
Merchant response window
45 days
Cardholder filing window
120 days
What triggers it
Cardholder claims goods or services were not delivered or not available.
What to check first — evidence for representment
Physical goods: tracking number, delivery confirmation, signature if required. Digital/SaaS: access logs, login timestamps, activation confirmation. Services: booking confirmation, service completion record.
Special notes
Mirrors Visa's 13.1 exposure for physical e-commerce merchants.
Confidence: high.
Sourced from PaymentBrief's Mastercard reference article. Reason-code definitions and timelines change — verify against your scheme documentation or acquirer portal before acting.
Full reference
Mastercard Mastercom Dispute Categories Reference