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Mastercard 4870: Chip Liability Shift

What it means: A card-present transaction where the issuer says the chip (EMV) liability shift applies — e.g. a counterfeit or lost/stolen card was used and the transaction was not processed as a chip (or chip-and-PIN) transaction.

How to respond: Show the transaction was processed with the chip read (and PIN where applicable), or that it was not a card-present transaction. Online-only merchants rarely receive these codes; if you do, check the transaction details with your processor.

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

Evidence checklist

• Terminal / POS record showing the entry mode (chip read, PIN verified, contactless)
• Authorization record for the transaction (authorization code, date, amount) from the payment details
• 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.
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