Reason code

American Express reason code FR6 refers to the Partial Immediate Chargeback Program, which gives Amex the ability to issue chargebacks without a cardholder dispute - specifically for certain transactions or under specific conditions tied to a merchant’s risk profile. Unlike the full Immediate Chargeback Program, this only applies to a subset of the merchant’s transactions.

This program is typically enforced when Amex detects patterns of fraud, excessive disputes, or non-compliance, but only in specific categories or product lines. Merchants included in FR6 must maintain strong documentation and risk management practices to defend against these proactive chargebacks.

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If the transaction was legitimate, show that it met all Amex standards and was properly authorized:

• Provide receipts, order confirmations, and evidence of fulfillment

• Include fraud screening results and any relevant customer communications

If you’re under the Partial Immediate Chargeback Program, focus on high-risk areas of your business:

• Strengthen fraud controls and ensure delivery documentation is airtight
  
  
• Monitor the transaction types covered by the program and review them for compliance
  
  

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