Mastercard 4863 — Cardholder Does Not Recognize – Potential Fraud

What it means

The cardholder does not recognize the transaction on their statement and suspects it may be fraudulent.

Common causes

• Unfamiliar billing descriptor on the statement
• Family member or third party used the card without clear recognition
• Legitimate purchase forgotten or not recognized

Evidence that helps you win

• Billing descriptor matching your store name
• Order confirmation email sent to the cardholder
• Delivery or digital access proof tied to the account
• Customer IP and device data matching prior orders