Reason code

American Express reason code P22 occurs when the card number submitted in the transaction does not match any card number Amex has on file or does not align with the account details used for authorization. This usually results from manual entry errors, corrupted data, or misuse of test or placeholder card numbers in a live system.

These types of errors are often flagged by Amex automatically, not by the cardholder. When the card number doesn't match the authorized or issued number, the transaction is rejected and can result in a chargeback.

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If the card number was entered correctly and authorized, provide evidence showing consistency between the authorization and settlement:

• Submit authorization logs showing the card number used and approval details
  
  
• Provide POS system records confirming no data corruption or entry error occurred

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Double-check card data accuracy to avoid mismatches that lead to chargebacks:

• Use chip readers or tokenized payment methods to minimize manual input

• Avoid running test transactions in live systems and confirm gateway integration accuracy