Consumer Disputes
F24 No Cardmember Authorization
Details
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
Timing to raise the dispute (Issuer/Cardholder)
120days
Timing to respond to the dispute (Acquirer/Merchant)
20days
How to respond?
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
How to prevent?
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