Reason code · Mastercard
Mastercard 4831: transaction amount differs
4831 means the customer says the amount charged doesn’t match what they agreed to pay. Mastercard now handles it under 4834 Point-of-Interaction Error, and the bank has 90 days to file. The agreed amount, in writing, is what settles it.
What 4831 means
4831 is the old Mastercard code for Transaction Amount Differs. The customer says the charge doesn’t match the price they agreed to.
Mastercard has moved it into 4834 Point-of-Interaction Error. Its Chargeback Guide says banks may still use 4831, but the code will eventually be eliminated. Stripe lists it under both its Duplicate and General categories, so the label you see depends on your processor.
What the customer told their bank
“I was quoted one price and charged another.” “The final bill was higher than the receipt I signed.” The bank needs the customer’s description, including the amount they expected to pay. A receipt, the final hotel or rental bill, or a merchant email confirming the price can back it up. Mastercard’s own examples include an adding mistake on the total and an amount raised without the cardholder’s permission.
Time limit
The bank has 90 calendar days from the transaction for most transactions. Your deadline is the due date on your notice, set by your processor out of the 45 days Mastercard gives your bank.
What proof matters
The amount the customer agreed to, in writing, and an itemized bill that shows how you got to the total. If extra charges were added, show where the customer agreed to them.
Find the real gap
A wrong-amount dispute is usually about one line, not the whole sale: a fee, an add-on, a math error on the total. Check the chargeback amount on your notice against your bill. If you added a fee the customer never agreed to, that part is hard to defend. The rest of the bill may be easy.
The common mistake
Adding something after the customer left, such as a tip adjustment, an extra service or a surprise fee, with no written agreement. Quotes change. When they do, get the customer’s OK to the new total before you charge it.
Dispute Daddy builds this for you
Dispute Daddy puts the quote, the bill and the charge side by side from your own records and builds the response for you to approve. See how the method works.
