← Reason code checker

Mastercard 4860: Credit Not Processed (legacy)

What it means: The cardholder says they were promised a refund/credit that was not processed.

Mastercard has consolidated many older codes into 4808, 4834, 4837, 4853, 4863, 4870 and 4871; this legacy code may still appear on older or region-specific disputes. Now generally handled under 4853.

How to respond: Show a refund was already issued, or that no refund was owed under the policy the customer accepted.

Stripe usually labels this dispute as: credit_not_processed (check the reason shown on your dispute — Stripe maps network codes to its own categories).

Evidence checklist

• If you already refunded: refund ID, date and amount (Stripe shows this on the payment)
• Refund / return policy and evidence it was shown to the customer at checkout
• Evidence that no refund or credit is owed — e.g. return never received, or the request fell outside the stated policy
• Customer communication (emails, chat, support tickets) — especially anything where the customer acknowledges the order or the product
• Receipt / invoice showing what was purchased, price, date and the customer's details

Tips

• Address the specific reason code — a generic letter that argues the wrong issue is a common reason responses fail.
• Submit before the evidence due date shown in your Stripe/Shopify dashboard; most processors allow one submission.
• Keep it factual and concise; label each exhibit.
• If the customer is right, accepting the dispute or refunding may cost less than fighting it.

DisputeDesk provides general information and document preparation help. It is not legal advice, and we do not guarantee any dispute outcome — the card issuer decides. Reason-code names and rules change; always check the dispute details in your Stripe or Shopify dashboard and the card network's current rules.
DisputeDesk is operated by Avenbridge Technology Limited (Hong Kong). Privacy