Mastercard reason code 4999:
Domestic Chargeback Dispute (Europe Region Only)

What Mastercard 4999 means

A catch-all for European domestic chargeback rights that exist under local rules rather than Mastercard's global codes. It cannot be used for Mastercard Commercial Payments Account transactions.

Common causes

• Domestic scheme rules in a European country granting a dispute right not mapped to a Mastercard code
• A domestic transaction (for example, a card issued and used in the same European country) disputed under that country's local consumer rules

Evidence that answers it

• Evidence addressing the specific domestic rule cited by the issuer
• Transaction authorization and receipt records
• Proof of a refund

How to prevent it

• Ask your European acquirer which domestic rules apply to your market
• Keep authorization, receipt and refund records for every domestic sale so you can answer whichever local rule is cited

Time limits and caveats

Europe region only. Time frames follow the applicable domestic rule; Mastercard says arbitration of these disputes is handled domestically.

How Verdikx helps with 4999

Verdikx maps 4999 to its general dispute playbook: a complete record of the order, payment, fulfillment and customer contact, with a reminder not to guess the claim. Confirm the domestic rule with your acquirer first; the AI draft is limited to the facts in your records.