American Express Chargeback Reason Codes

American Express puts its codes in groups: Authorization, Card Member Disputes, Fraud, Inquiry/Miscellaneous, Processing Errors and Chargeback Programs.

Find your code below to see what it means and what to send.

Code What it covers
A01 Amex Reason Code A01: Charge Exceeds Authorization The cardholder approved one amount and you charged more. Here is why that happens, how to stop it, and how to answer it.
A02 Amex reason code A02: No valid authorization A02 means the charge went through without a valid approval. Here is why it happens and what to send back.
A08 Amex Reason Code A08: Meaning and How to Respond A08 means the charge went in after its approval ran out. Learn why it happens, how to stop it, and what proof to send.
C02 What Amex Reason Code C02 Means for Merchants C02 means a credit you owed the cardholder never arrived. Here is why it happens and how to answer it.
C04 Amex reason code C04 explained for merchants C04 means the customer returned or refused what you sold, and says you never gave their money back. Here is how to answer it.
C05 Amex Reason Code C05: Goods or Services Canceled A Card Member says they canceled the order. Here is what the code means and what proof answers it.
C08 Amex Reason Code C08 and How to Answer It C08 means the cardholder says the goods or services never showed up, or only part did. Here is what proof answers that claim.
C14 Amex Reason Code C14: Paid by Other Means, Explained The cardholder says they paid for the charge some other way. Here is what that claim means and how to answer it.
C18 Amex Reason Code C18: No Show or CARDeposit Canceled C18 means the Card Member says they canceled a lodging booking or never got credit for a CARDeposit. Here is how to answer it.
C28 Amex Reason Code C28: Canceled Recurring Billing A C28 dispute means the cardholder says they stopped a recurring charge. Here is what the code means and how to answer it.
C31 Amex Reason Code C31: What Merchants Should Do The Card Member says what arrived did not match your written description. Here is what the code means and how to answer it.
C32 Amex Reason Code C32: Damaged or Defective Goods A C32 notice means the cardholder says what arrived was broken or faulty. Here is what they must show and what proof wins the case.
F10 Amex reason code F10 explained for merchants F10 means the cardholder denies the charge and you have no card imprint on file. Here is why it happens and how to answer it.
F14 How to Handle Amex Reason Code F14 Chargebacks F14 means the customer admits one purchase but denies the charges after it. Here is what the code means and how to answer it.
F24 Amex Reason Code F24: No Card Member Authorization F24 means the Card Member says the charge was not made by them. Learn why Amex issues it and how to answer it.
F29 What Amex reason code F29 means for merchants F29 is the code for a card-absent fraud claim. Here is what it says, why it happens, and what proof answers it.
F30 Amex Reason Code F30 and How Merchants Respond F30 means a fake chip card was used but the sale ran as a swipe. Here is why it happens and how to fight it.
F31 Amex Reason Code F31: Meaning and How to Respond F31 means a lost, stolen or never received chip card was used without a PIN. Here is what the code claims and how to answer it.
FR2 Amex Reason Code FR2: What It Means for Merchants FR2 is a fraud claim from a special Amex program. Here is what it covers and what you can do about it.
FR4 What Amex Reason Code FR4 Means for Merchants FR4 is the code for a charge from the Immediate Chargeback Program. Here is why it skips the normal steps and how to answer it.
FR6 Amex Reason Code FR6: Partial Chargeback Program FR6 means a card member disputed your charge while you were in Amex's Partial Immediate Chargeback Program. Here is what that means and what to send.
M01 Amex Reason Code M01: What It Means and What to Do M01 is not a new dispute. It is your own Inquiry reply coming back as a chargeback. Here is how to read it and answer it.
M10 Amex Reason Code M10: Vehicle Rental Capital Damages A renter says you billed them wrongly for damage, theft or lost use. Here is what M10 means and the proof that wins it.
P01 Amex Reason Code P01: Meaning and How to Respond P01 means the card number you charged was not valid. Here is why it happens and what to send to fix it.
P03 What Amex reason code P03 means for merchants P03 means the Card Member says a refund went through as a charge. Here is why it happens and how to answer it.
P04 Amex Reason Code P04: Charge Processed as Credit P04 means a charge went through as a credit by mistake. Here is what the Card Member claims and how to answer it with the right records.
P05 Amex Reason Code P05: Incorrect Charge Amount P05 means the Card Member says the amount charged was wrong. Here is why it happens and how to answer it with the right proof.
P07 Amex Reason Code P07 Explained: Late Submission P07 means you sent the charge in too late. Learn what proof shows the charge was on time, and how to answer the notice.
P08 Amex Reason Code P08: Duplicate Charge Explained P08 means the same charge hit the card twice. Here is why it happens and how to answer it with the right proof.
P22 Amex Reason Code P22: Non-matching Card Number P22 means the card number you charged does not match the one that was approved. Here is why it happens and what to send.
P23 Amex Reason Code P23: What It Means and What to Do P23 means the customer was billed in a currency they did not agree to. Here is why it happens and how to answer it.
R03 How to Respond to an Amex R03 Chargeback R03 means your last reply was not complete. Here is what Amex asked for, what to send, and how to fix it.
R13 Amex Reason Code R13: What It Means and What to Do R13 means you did not answer an Amex Inquiry on time. Here is why it happens and how to fight it if you did reply.