Reason code

American Express reason code P07 is used when a transaction is submitted after Amex’s required time limit for processing. Even if the cardholder authorized the purchase, the merchant may still receive a chargeback if the transaction was not submitted within the permitted window—typically 7 days from the transaction date.

Late submissions can occur due to batch processing delays, technical issues, or internal handling errors. Because the authorization may no longer be valid by the time the transaction is submitted, Amex may decline it and shift liability to the merchant.

‍

If the submission was within the allowed timeframe or delayed due to a valid exception, provide supporting evidence:

• Submit transaction and batch logs showing when the charge was processed
  
  
• Include any communication or documentation explaining the delay
  
  

‍

Timely submission is key to preventing this type of dispute:

• Set automated batch processing to run daily and confirm settlements are submitted promptly
  
  
• Train staff to close out transactions at the end of each business day

‍