Reason code

American Express reason code C08 is issued when a cardholder claims they did not receive the goods or services they paid for, or only received part of what was promised. This dispute can apply to physical products, digital items, or services like travel, subscriptions, or appointments.

In many cases, these disputes arise from shipping issues, unclear delivery timelines, or customer misunderstandings. Merchants who can prove that delivery was completed—or that the customer accepted partial delivery—can often challenge the chargeback successfully.

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If the goods or services were delivered in full, provide clear proof of fulfillment:

• Submit tracking numbers, delivery confirmations, or service completion records
  
  
• Include signed acknowledgments, usage logs, or customer communication confirming receipt
  

Avoid C08 disputes by setting clear delivery expectations and documenting fulfillment:

• Provide tracking information and delivery estimates at the time of purchase

• Confirm and record proof of delivery or service completion with every transaction