Reason codes / MATCH codes / MATCH 4: Excessive Chargebacks
MATCH code 4: Excessive Chargebacks
Official definition and what it means for your removal request.
Definition
With respect to a Merchant reported by a Mastercard Acquirer, the number of Mastercard chargebacks in any single month exceeded 1% of the number of Mastercard sales Transactions in that month, and those chargebacks totaled USD 5,000 or more.
What this means in plain language
Your Mastercard chargebacks in a single month crossed both a ratio threshold (relative to sales) and a dollar threshold. Risk teams read this as unsustainable dispute levels—often refunds, fraud claims, or customer complaints escalated to the card network.
What you can do
If you were listed under MATCH code 4, you can submit a formal removal request to the PSP or acquirer that added you. They will review your case (cause, remediation, corrective actions) and, if satisfied, can request removal from the MATCH list. We help you draft and submit that request. See MATCH list removal and all MATCH and VMSS reason codes.
Removal guides by PSP
The approach to removal depends on which PSP or acquirer listed you. See our PSP-specific guides: