Reason code · Mastercard

Mastercard 4859: addendum, no-show or ATM dispute

4859 covers charges added after the sale, hotel no-show fees and ATM disputes. Mastercard now handles the first two under 4853 Cardholder Dispute and ATM problems under 4834. Most claims must be filed within 120 days.

By the Dispute Daddy team, built on 10 years of fighting chargebacks · Updated

What 4859 means

4859 is the old Mastercard code for Addendum, No-show, or ATM Dispute. It bundles three different problems:

  • Addendum charges: extra charges added after the original sale, like damage, fuel or a traffic ticket after a car rental, or a minibar bill after checkout.
  • No-show charges: a hotel charged for a guaranteed reservation the guest didn’t use.
  • ATM disputes: cash that wasn’t dispensed.

Mastercard has split these up. Add-on and no-show disputes now fall under 4853 Cardholder Dispute, and ATM problems under 4834. Its Guide says banks may still use 4859, but the code will eventually be eliminated.

What the customer told their bank

“They charged me after I checked out.” “I cancelled the reservation and still got charged.” “I never got my room.”

Time limit

For add-on and no-show charges, the bank has 120 calendar days for most transactions. For an add-on, the clock starts at the later charge, not the original sale. Your response is due on the date your processor gives you, out of the 45 days Mastercard gives your bank.

What proof matters

The policy or agreement the customer accepted, and when. For an add-on charge, proof it ties back to their original rental or stay and that they were responsible for it.

The policy has to reach the customer

For no-shows, Mastercard’s rules are blunt: you can support the charge only with documentation that the cardholder received your cancellation policy and didn’t follow it. A policy on your website isn’t the same as a policy the customer got. Not a hotel? When a clinic, salon or restaurant fee is disputed, answer the same question: did the customer get the policy, and did they break it?

The common mistake

Charging the fee with nothing to show the customer saw the terms. Put the policy in the booking confirmation, keep the cancellation records, and the case gets much easier.

Dispute Daddy builds this for you

Dispute Daddy pulls the booking, policy and charge dates from your own records and builds the response for you to approve. See how the method works.

Questions

What does Mastercard 4859 mean?

The customer disputes a charge added after the original sale, a hotel no-show charge, or an ATM transaction. Mastercard now handles add-on and no-show disputes under 4853 and ATM disputes under 4834.

How long does a customer have to file a 4859?

For add-on and no-show charges, 120 calendar days from the disputed charge for most transactions. Use the due date on your notice for your response.

Can I charge a no-show fee and win the dispute?

You can defend it when the customer received your cancellation policy and didn’t follow it. Mastercard’s rules ask for documentation of exactly that.

Sources

  1. Mastercard Chargeback Guide, Merchant Edition, 19 May 2026 edition, Chapter 2, Cardholder Dispute Chargeback: Addendum Dispute, No-Show Hotel Charge and Transaction Did Not Complete time frames, and use of 4859; obtain the current edition from your acquirer.
  2. Mastercard Transaction Processing Rules, June 2026 public edition: guaranteed reservations and no-show documentation.
  3. Stripe: Dispute reason code categories, Stripe lists 4859 Addendum, No-show, or ATM Dispute under General; read October 25, 2026.

General information, not legal advice. Network and processor rules change; the due date on your own dispute notice always governs.

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