Reason code

American Express reason code 680 applies when a cardholder claims they were charged an amount different from what they agreed to at the time of purchase. This can occur due to manual input errors, system glitches, or confusion around taxes, tips, or fees.

In many cases, the cardholder may not recognize the authorized amount because of unclear billing practices or optional charges they forgot they approved. Disputes under this code often stem from misunderstandings rather than deliberate overcharges.

‍

If the amount charged matches what the customer agreed to, provide documentation showing the correct authorization:

• Include signed receipts, order confirmations, or checkout pages reflecting the approved total
  
  
• Show communication or policy details that explain taxes, tips, or variable charges

‍

Clear communication and transparent pricing help avoid this type of dispute:

• Display all charges upfront and have customers confirm totals before payment

• Use digital receipts to ensure the final amount is documented and accessible