What Mastercard 4871 means
The issuer reports fraud on a lost, stolen or NRI card where the card was chip and PIN, but the transaction was not completed at a terminal that supports chip with PIN.
Common causes
- Terminals without PIN capability
- Fallback to magnetic stripe on a stolen card
- Bypassing PIN entry
Evidence that answers it
- Terminal and clearing records showing chip data and PIN verification
- Proof of a refund
How to prevent it
- Deploy PIN-capable EMV terminals
- Do not bypass PIN prompts
Time limits and caveats
Fraud-related family. Goes straight to arbitration if escalated, per Adyen's documentation. Not relevant to e-commerce.
How Verdikx helps with 4871
Verdikx maps 4871 to its fraud playbook, but this card-present code rarely fits e-commerce: check with your processor whether it was miscoded, and if you already refunded, the refund record in the packet is the remedy to cite.
Frequently asked questions
What does Mastercard reason code 4871 mean?
Mastercard 4871 covers card-present fraud with a lost, stolen or never-received chip and PIN card when the terminal could not process the chip with PIN. Liability shifts to the merchant's side. It is rarely winnable unless your terminal records show a chip and PIN transaction or chip data in the presentment.
Is Mastercard 4871 worth fighting?
Our reference rates 4871 (Chip Liability Shift: Lost/Stolen/Never Received Issue (NRI) Fraud) rarely winnable, so check the facts before spending time on a response. The evidence that answers it starts with terminal and clearing records showing chip data and PIN verification. The cardholder's bank decides the outcome.
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Sources
- Mastercard Chargeback Guide, Merchant Edition (13 May 2025) (checked October 5, 2026)
- Adyen Docs: Mastercard chargebacks (checked October 5, 2026)
Last reviewed by Verdikx Research.