AMEX

2024-07-16 07:23

North-America

Chargeback Categories	Reason Code	Reason	Description
Fraud	F24	No Card Member Authorization	The cardholder is claiming that they did not authorize the transaction.
	F29	Card not present	The cardholder did not authorize or participate in a transaction conducted in a Card Not Present environment
	F30	Fraud liability shift - counterfeit	The cardholder is claiming that they did not authorize or participate in the transaction. The cardholder may also claim that a counterfeit card authorized a transaction from his or her account.
	F31	Fraud liability shift - lost/ stolen	The cardholder is claiming that they did not authorize or participate in a transaction originated with the EMV terminal
	FR2	Fraud full recourse program	American Express' Fraud Full Recourse Program flagged the transaction.
	FR4	Immediate chargeback program	This is a program that allows American Express to process any dispute immediately as cardholder files a chargeback for any reason than actual fraud.
	FR6	Partial Immediate chargeback program	The cardholder has disputed the charge and you have been placed in the Partial Immediate Chargeback Program.
	F10	Missing imprint	Cardholder did not participate in a purchase and was not provided a copy of the card imprint (card-present environments only).
	F14	Missing signature	The merchant neglected to give the cardholder a copy of the signed receipt; signature on the receipt is invisible or not prominent due to light ink, ribbed or colored paper, or fading; the original order receipt is mishandled or is scanned at a smaller size.
Authorization	A01	Charge Exceeds Authorization Amount	The amount of the authorization approval was less than the amount of the charge submitted by the merchant.
	A02	No Valid Authorization	The charge submitted by the merchant was either declined or the card was expired.
	A08	Authorization Approval Expired	Transaction submission was made after the authorization approval had expired.
Processing Error	P01	Unassigned Account Number	The card number used for the transaction is not assigned to a valid account, or not assigned to the cardholder.
	P03	Credit Posted as A Charge	The cardholder was debited for a transaction that should have been a credit.
	P04	Charge Posted as A Credit	The cardholder was credited for a transaction that should have been a debit.
	P05	Incorrect Transaction Amount Presented	The transaction was processed with an incorrect amount.
	P07	Late Presentment	The transaction was not processed within the required time-limit.
	P08	Duplicate Charge	The transaction was processed more than once.
	C14	Paid by Other Means	The transaction has already paid by other means.
	P23	Currency discrepancy	The transaction was processed with an incorrect currency code.
	P22	Non-matching card number	The transaction did not receive authorization and was processed using an account number that does not match any on the issuer's master file.
Consumer Dispute	C04	Goods/ services returned or refused	The cardholder refused delivery of goods or services or returned merchandise, but a credit was not processed.
	C08	Goods/ services ordered but not received	The cardholder claims to have not received (or only partially received) the goods or services ordered.
	C18	“No show” or CARD eposit canceled	The cardholder claims a lodging reservation was canceled, or an expected credit for a CARDeposit charge was not received.
	C31	Not as Described	Goods or services received were not as described on the transaction receipt or other documentation presented to the cardholder.
	C28	Cancelled Recurring Transaction	A recurring transaction was processed after it was cancelled or that the cardholder’s account was closed.
	C32	Goods/ services damaged or defective	the merchandise was received damaged or defective.
	C02	Credit not processed	The cardholder received a credit or voided transaction receipt that was not processed.
	C05	Goods/ services cancelled	The cardholder claims that the merchant had charged him or her for a merchandise/service that was canceled.
	M10	Vehicle rental-capital damages, theft or loss of use	The cardholder claims to have been incorrectly billed for capital damages to a rented vehicle.
	M49	Vehicle rental-theft or loss of use	The cardholder claims to have been incorrectly charged for theft or loss of use of a rental vehicle.

Other countries

Chargeback Categories	Reason Code	Reason	Description
Fraud	4540	Card not present	The cardholder did not authorize or participate in a transaction conducted in a Card Not Present environment
	4798	Fraud liability shift - counterfeit	The cardholder is claiming that they did not authorize or participate in the transaction. The cardholder may also claim that a counterfeit card authorized a transaction from his or her account.
	4799	Fraud liability shift - lost/ stolen	The cardholder is claiming that they did not authorize or participate in a transaction originated with the EMV terminal
	4763	Fraud full recourse program	American Express' Fraud Full Recourse Program flagged the transaction.
	4527	Missing imprint	Cardholder did not participate in a purchase and was not provided a copy of the card imprint (card-present environments only).
	4526	Missing signature	The merchant neglected to give the cardholder a copy of the signed receipt; signature on the receipt is invisible or not prominent due to light ink, ribbed or colored paper, or fading; the original order receipt is mishandled or is scanned at a smaller size.
	4534	Multiple ROCs	The cardholder claims that a fraudulent purchase was made while the card was in the cardholder's possession at the time of the transaction.
Authorization	4521	Invalid authorization	Authorization was not obtained on the transaction.
	4755	No Valid Authorization	The charge submitted by the merchant was either declined or the card was expired.
	4751	Authorization Approval Expired	Transaction submission was made after the authorization approval had expired.
Processing Error	4523	Unassigned Cardmember account number	The card number used for the transaction is not assigned to a valid account, or not assigned to the cardholder.
	4752	Credit/ debit presentment error	The transaction was processed with an incorrect transaction code.
	4507	Incorrect transaction amount.	The transaction was processed with an incorrect amount.
	4536	Late Presentment	The transaction was not processed within the required time-limit.
	4512	Multiple processing	The transaction was processed more than once.
	4515	Paid through other means	The transaction has already paid by other means.
	4530	Currency discrepancy	The transaction was processed with an incorrect currency code.
Consumer Dispute	4554	Goods/ services ordered but not received	The cardholder claims to have not received (or only partially received) the goods or services ordered.
	4553	Not as Described	Goods or services received were not as described on the transaction receipt or other documentation presented to the cardholder.
	4544	Cancellation of recurring goods/ services	A recurring transaction was processed after it was cancelled or that the cardholder’s account was closed.
	4513	Credit not processed	The cardholder received a credit or voided transaction receipt that was not processed.