mastercard
Mastercard 4812: Account Not on File Defense
Defend Mastercard 4812 disputes with delivery and usage evidence.
4812
Reason Code
45
Days to Respond
1
Required Exhibits
What This Code Means
Account Number Not on File is a dispute reason used by MASTERCARD when specific conditions indicate a dispute.
To successfully defend against this chargeback, you must provide compelling evidence that demonstrates the transaction was legitimate and the cardholder received the product or service as described.
Required Evidence
Transaction Details
- Merchant/Business Name
- Order ID
- Order Date
- Customer Name
Required Documents
- Proof of Delivery
Recommended (Optional)
- Customer Communication Logs
- Usage or Access Logs
What Your Response Will Include
Your packet will contain a professional narrative addressing:
- transaction Overview
- delivery
- usage
- policies
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