American Express reason code P23 is used when there’s a mismatch between the transaction amount the cardholder agreed to and the currency or amount that was ultimately processed. This often happens in international transactions, where the customer expects a charge in one currency but sees a different amount or conversion on their statement.
Disputes under this code typically stem from unclear pricing, miscommunication about currency exchange, or system configuration errors. If the merchant fails to specify the billing currency upfront or charges in the wrong currency, Amex may side with the cardholder.
If the transaction amount and currency were disclosed and authorized correctly, submit documentation to support that:
Clarity is key when dealing with multiple currencies: