Reason Code 4859 – Addendum, No-Show, or ATM Dispute (Europe)
Why did I receive this chargeback?
The cardholder claims not to have received cash or only received a partial amount from an ATM withdrawal.
How long can the issuer wait to file a chargeback?
The maximum amount of time that can pass between the transaction processing date and the chargeback processing date is 120 calendar days.
What compelling evidence is needed to respond?
- Proof the correct amount was disbursed to the cardholder
How can I avoid this chargeback in the future?
- Reconcile ATMs promptly.
- Adjust out-of-balance ATMs.
- Process a credit as soon as possible if you notice a discrepancy.