What Mastercard 4859 means
The cardholder disputes a charge added after the main transaction (an addendum, such as rental damage or minibar), a no-show fee on a guaranteed reservation, or cash not dispensed at an ATM.
Common causes
- Post-checkout charges without clear agreement
- No-show fees on reservations cancelled within the policy
- ATM dispensing errors
Evidence that answers it
- The signed or accepted terms authorizing the addendum charge
- The reservation, cancellation policy and lack of a timely cancellation for no-shows
- ATM disbursement records for ATM claims
How to prevent it
- Get explicit consent for post-transaction charges
- Disclose no-show and cancellation policies at booking and confirm cancellations
Time limits and caveats
Legacy code. The 13 May 2025 guide still accepts '4859' as a filing reference for POI ATM cases under 4834; other claims follow 4853 rules.
How Verdikx helps with 4859
Verdikx recognizes 4859 and applies its general dispute playbook: the full order record, policies and customer messages, plus a reminder to find out from the customer or processor what exactly is disputed. ATM disputes are outside Verdikx's e-commerce scope.
Frequently asked questions
What does Mastercard reason code 4859 mean?
Mastercard 4859 is a legacy code once used for addendum charges, hotel no-show charges and ATM disputes. In the current Chargeback Guide, addendum and no-show claims are 4853 Cardholder Dispute sub-reasons, and ATM claims are 4834 Point-of-Interaction Error. Defend with the disclosure and consent behind the extra charge.
Is Mastercard 4859 worth fighting?
Our reference rates 4859 (Addendum, No-Show, or ATM Dispute (legacy)) sometimes winnable, depending on the evidence you have. The evidence that answers it starts with the reservation, cancellation policy and lack of a timely cancellation for no-shows. The cardholder's bank decides the outcome.
Answer your next 4859 with the right evidence.
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Sources
- Mastercard Chargeback Guide, Merchant Edition (13 May 2025) (checked October 5, 2026)
- Rapyd Acquiring Dispute Operation Guide: Mastercard (legacy code consolidation) (checked October 5, 2026)
Last reviewed by Verdikx Research.