F24 No Cardmember Authorization

American Express Reason Code F24 is used when a cardholder claims they did not authorize or participate in a transaction. The cardholder denies any involvement with the charge, and the merchant is unable to provide sufficient evidence proving the cardholder's participation.

This code applies to situations where:

• The cardholder claims they did not make the purchase
• The cardholder denies authorizing the transaction
• The merchant cannot provide proof of cardholder authorization

To address a chargeback under Reason Code F24, provide evidence that the cardholder did authorize and participate in the transaction:

• Signed Documentation: Provide a copy of a signed sales receipt, contract, or authorization form
• Proof of Identity Verification: Documentation showing identity verification was performed at the time of purchase
• Delivery Confirmation: Proof that goods or services were delivered to the cardholder's verified address
• Communication Records: Any correspondence with the cardholder confirming the transaction

To minimize the risk of chargebacks under Reason Code F24:

• Verify Cardholder Identity: Use CVV verification, AVS, and 3D Secure for card-not-present transactions
• Obtain Clear Authorization: Get explicit consent and maintain records of cardholder authorization
• Use Recognizable Billing Descriptors: Ensure your business name appears clearly on statements to aid recognition
• Maintain Detailed Records: Keep comprehensive transaction records including IP addresses, device fingerprints, and delivery confirmations