Reason code

American Express reason code F24 is issued when a cardholder claims they were charged more than once for the same transaction, and the merchant submitted multiple Records of Charge (ROCs). This typically indicates a duplicate processing error—often caused by system glitches or manual re-entry of the same transaction.

In some cases, the cardholder may not realize that the charges were for different goods or services, especially if they occurred close together. Disputes under this code can often be resolved by showing that each ROC corresponds to a legitimate, distinct transaction.

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If the charges were not duplicates, demonstrate that each ROC was valid and authorized:

• Submit individual receipts or signed sales slips for each transaction
  
  
• Provide separate transaction records or order confirmations to differentiate the charges
  
  

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Prevent multiple ROC errors by using integrated systems and verifying each transaction before submission:

• Avoid manually keying in the same transaction more than once
  
  
• Reconcile daily batch reports to identify and void duplicates before settlement