PREVIEW
A high-level overview
You received this chargeback because you let more than 120 days pass between the transaction date and the settlement date.
This reason code is used for an automatic chargeback filed by Mastercard (not the card issuer). Mastercard’s technology can detect processing errors and automatically block non-compliant transactions.
Mastercard reason code 4811 is only used for transactions involving a European acquirer and a non-European issuer.
Unfortunately, you can’t challenge this chargeback (a process called second presentment). If you receive a 4811 chargeback, you must simply accept it as a loss.
Need help managing Mastercard 4811 chargebacks?
Let AltoShield help you create a comprehensive chargeback management strategy that can lower risk, reduce costs, boost approvals, and improve processing sustainability.
PREVIEW
A high-level overview
You received this chargeback because you let more than 120 days pass between the transaction date and the settlement date.
This reason code is used for an automatic chargeback filed by Mastercard (not the card issuer). Mastercard’s technology can detect processing errors and automatically block non-compliant transactions.
Mastercard reason code 4811 is only used for transactions involving a European acquirer and a non-European issuer.
Unfortunately, you can’t challenge this chargeback (a process called second presentment). If you receive a 4811 chargeback, you must simply accept it as a loss.
Need help managing Mastercard 4811 chargebacks?
Let AltoShield help you create a comprehensive chargeback management strategy that can lower risk, reduce costs, boost approvals, and improve processing sustainability.
PUBLISHED ON: October 19, 2026
WRITTEN BY: Jessica Velasco
