Mastercard Chargeback Standards — Dispute Resolution & Arbitration

Mastercard Chargeback Standards — Dispute Resolution & Arbitration

Mastercard Chargeback Standards — Dispute Resolution & Arbitration — 75% covered.

4 requirements · 3 enforced · 0 designed · 0 advisory · 0 deferred.

Source: The Mastercard Chargeback Standards (the Chargeback Guide) govern the dispute lifecycle on Mastercard transactions: the first chargeback, the merchant's second presentment with supporting documentation, pre-arbitration, and the arbitration case where the network rules on the documented record. The second presentment must carry the documentation that remedies the chargeback reason — order and fulfilment records, authorisation results, proof of delivery, and customer-communication evidence. KYE Protocol™ governs whether the second presentment / case filing may PROCEED — under a named owner's recorded authority, with the supporting evidence captured as evidence events at transaction time, and with the bundle sealed as a signed, hash-bound, WORM-retained, replay-verifiable Evidence Pack so the documented record survives pre-arbitration and arbitration scrutiny. KYE does not decide whether to fight the dispute, generate the dispute narrative, or judge the dispute outcome (the issuer and Mastercard do). · License: The Mastercard Chargeback Standards are Mastercard's own publications; the KYE registry paraphrases each requirement's intent and cites the programme name for mapping purposes only. No Mastercard text is reproduced.

By category

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
Second-presentment evidence captured at transaction time 1 1 0 0 0 100%
Named-authority on the chargeback response 1 1 0 0 0 100%
Arbitration-grade reconstruction of the dispute record 1 1 0 0 0 100%
Dispute merits adjudication & strategy 1 0 0 0 0 0%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
mastercard-dispute-rules.second-presentment-evidence-capture The second-presentment supporting documentation is captured as evidence events at transaction time enforced audit_events: kye.evidence.decision_map.v1, kye.evidence.pack.v1
engines: internal
rule_packs: kye:rule-pack:chargeback-evidence
dictionaries: internal
constitution_refs: constitution/13-RESILIENCE-LOOP.md
mastercard-dispute-rules.chargeback-response-authority The chargeback response (second presentment / pre-arbitration / acceptance) proceeds only under a recorded named-authority decision enforced audit_events: kye.purpose.request.v1, kye.purpose.admissibility.v1, kye.evidence.decision_map.v1
engines: internal, internal
rule_packs: kye:rule-pack:chargeback-evidence
constitution_refs: constitution/12-PURPOSE-PERMISSION.md
mastercard-dispute-rules.arbitration-reconstruction-record Arbitration-grade reconstruction: the dispute record is sealed, contestable and replay-verifiable enforced audit_events: kye.evidence.pack.v1, kye.replay.context_seal.v1, kye.replay.proof.v1
engines: internal, internal
rule_packs: kye:rule-pack:chargeback-evidence
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/21-DELEGATED-AUDITABILITY.md, constitution/30-AUDIT-WORM-RETENTION.md
mastercard-dispute-rules.dispute-merits-adjudication Dispute merits adjudication, fight/accept strategy, and the dispute narrative out-of-scope (no enforcement cited)