Mastercard 4837 — No Cardholder Authorization

Issuer claims the cardholder did not authorize a card-not-present sale. Mastercard requires proof linking the transaction to the legitimate cardholder.

Required evidence

1. AVS full match (address + postal code)
   Required baseline to show the buyer possessed billing-address knowledge.
   Mastercard Chargeback Guide §3.15 — 4837
2. 3-D Secure authentication result (if attempted)
   A successful 3DS shifts liability; a failed attempt still shows due diligence.
   Mastercard Chargeback Guide §3.15.2
3. Proof of delivery to AVS-verified address
   Physical receipt by the cardholder is strong evidence of authorization.
   Mastercard Chargeback Guide §3.15.3

Recommended evidence

1. Prior undisputed transactions on same card (90 days)
   Establishes a good-customer pattern consistent with authorized use.
   Mastercard Chargeback Guide §3.15.4