Reason code

American Express reason code F29 is used when a cardholder claims they did not authorize a transaction and the merchant did not verify that the card was present at the time of purchase. This typically applies to card-not-present transactions, such as online, phone, or mail orders.

Since these transactions don’t involve swiping, inserting, or tapping the physical card, they carry higher fraud risk and require additional verification steps. If the merchant fails to capture sufficient proof of authorization, they may be held liable in the event of a dispute.

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If the transaction was valid and authorized, provide evidence showing the cardholder participated in or approved the purchase:

• Submit proof of AVS/CVV match, IP address, or order logs with customer details
  
  
• Include delivery confirmation, email correspondence, or account login history
  
  

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Strengthen fraud controls for card-not-present transactions to reduce dispute risk:

• Use tools like 3D Secure, AVS, and CVV validation at checkout
  
  
• Require customer accounts, email confirmations, and tracking for shipped goods
  
  

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