Mastercard 4870
Chip Liability Shift
Category: Fraud
Merchant response window
45 days
Cardholder filing window
120 days
What triggers it
Counterfeit or altered chip card used at a terminal that did not correctly process the EMV chip.
What to check first — evidence for representment
Document that the terminal is EMV-capable and that the chip was read correctly; provide EMV cryptogram data if available from your acquirer.
Special notes
Liability shifts toward the acquirer/merchant if the terminal failed to process the chip. Limited defence surface if the terminal was not EMV-capable at the time of the transaction.
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