Mastercard 4871 — Chip/PIN Liability Shift

What it means

Liability shifted because a chip-and-PIN transaction was not processed correctly, typically missing PIN verification where required.

Common causes

• PIN not captured when required for chip card
• Offline PIN bypass at chip-capable terminal
• Lost/stolen chip card used without PIN verification

Evidence that helps you win

• PIN verification or chip transaction cryptogram records
• Terminal logs showing compliant chip-and-PIN flow
• Signed receipt if signature used in lieu of PIN where allowed
• In-store verification procedures documented