American Express  Reason Codes

This reason code is used when a transaction is processed after the original authorization approval has expired.

This reason code is used when a transaction is processed without proper authorization.

This reason code is typically used when the amount being charged on an American Express card exceeds the approved authorization amount. 

This reason code is used when Amex is requesting additional information or documentation from the merchant in response to a dispute.

This reason code is used when a cardholder claims that the goods they received were damaged or defective and is requesting a repair instead of a full return or refund.

This reason code is issued when a cardholder doesn’t recognize a charge on their statement and believes it may be fraudulent or unauthorized.

This reason code is used when a cardholder disputes a charge that was made without the physical card being present and claims they don’t recognize the transaction.

This reason code is used when a cardholder claims they were charged for goods or services that were cancelled or never received due to expiration.

This reason code is used when a cardholder claims the product they received was of unacceptable quality.

This reason code applies when a cardholder claims they were charged after canceling a recurring billing agreement.

This reason code is used when a cardholder claims the goods they received were damaged or defective, or the services provided were not delivered in working or acceptable condition.

This reason code is issued when a cardholder claims they did not receive the goods they paid for and are requesting a credit.

This reason code is used when a cardholder claims they never received a product they ordered and paid for.

This reason code is used when a cardholder claims that the goods they received were damaged upon arrival or were defective in some way.

This reason code is issued when a cardholder claims they did not receive the goods or services they paid for, or only received part of what was promised.

This reason code is used when a cardholder claims the goods or services they received were materially different from what was described at the time of purchase.

This reason code is a status notification indicating that Amex has received the merchant’s supporting documentation in response to a dispute.

This reason code is used when a cardholder disputes a charge because they believe it should have been paid by their insurance company instead of being billed to their Amex card.

This reason code indicates that Amex has reviewed the documentation submitted by the merchant in response to a dispute and has decided not to proceed with a chargeback.

This reason code is used when a cardholder disputes a charge related to alleged damage, theft, or loss involving a product or service - commonly in rental scenarios.

This reason code is a general-purpose code used when a dispute or chargeback doesn’t fit any specific predefined category.

This reason code is used when a cardholder claims they did not authorize a transaction.

This reason code is used when a transaction was completed using a lost, stolen, or non-received card, and the merchant’s terminal was not EMV chip-enabled.

This reason code refers to the Partial Immediate Chargeback Program, which gives Amex the ability to issue chargebacks without a cardholder dispute.

This reason code is part of the Fraud Full Recourse Program, which allows the issuer to hold the merchant financially responsible for certain fraud-related transactions.

This reason code allows Amex to initiate immediate chargebacks for digital goods or services without a cardholder dispute, targeting high-risk transactions with potential fraud or service concerns.

This reason code applies when a cardholder disputes an offline or manual transaction as unauthorized due to the merchant’s failure to capture a required physical card imprint.

This reason code is used when a cardholder claims they were charged on their Amex card even though they paid using a different method.

This reason code 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 reason code applies when a counterfeit card was used for a transaction at a terminal that was not EMV chip-enabled.

This reason code is issued when a cardholder claims they were charged more than once for the same transaction, and the merchant submitted multiple Records of Charge (ROCs).

This reason code is issued when a cardholder believes they were charged more than once for a single purchase.

This reason code applies when a cardholder claims they were charged an amount different from what they agreed to at the time of purchase.

This reason code is used when a cardholder claims they paid for a transaction using a different method but were still charged one their Amex account.

This reason code is used when a cardholder claims they were charged more than once for the same transaction.

This reason code is used when a cardholder cancels goods or services, or refuses delivery, but is still charged for the transaction.

This reason code is used when a cardholder cancels a hotel or car rental reservation in accordance with the cancellation policy, but the deposit or prepayment is not refunded.

This reason code signifies that a credit has been requested for goods that the cardholder has returned.

This reason code indicates that a cardholder expected a credit - such as a refund or cancellation - but never received it.

This reason code applies when a cardholder disputes a charge because they canceled an order for goods or services, but the merchant did not process a refund.

This reason code reason code is used when a cardholder claims that a credit issued by the merchant for a returned product or service has not been processed or reflected on their account.

This reason code is used when a customer disputes a charge after failing to honor a reservation or cancel on time, or when they believe a deposit wasn’t refunded correctly.

This reason code occurs when a customer returns goods or declines services, expects a refund, but the merchant has not processed the credit.

This reason code FR4 is part of the Immediate Chargeback Program, which allows Amex to initiate chargebacks without requiring the cardholder to file a dispute.

This reason code is used when a cardholder disputes charges related to vehicle rental, specifically for capital damages, theft, or loss of use.

This reason code is used when a cardholder reports a transaction as fraudulent.

This reason code is used when a transaction is submitted in a currency that is not valid for the cardholder’s account or not authorized for use in that particular region.

This reason code is used when a merchant attempts to reverse or refund a transaction, but the request is submitted too late to be processed through standard channels.

This reason code is used when Amex reverses a previously processed charge for any reason not covered by a more specific code.

This reason code is used when Amex reverses or adjusts a transaction to correct an error from a prior charge.

This reason code is used when a merchant requests a reversal or refund through Amex, but the request is denied - often because it falls outside Amex’s policies or timeframes.

This reason code is used when a merchant has submitted a reversal or refund request, but Amex is still reviewing it.

This reason code is used when a chargeback is issued because the merchant processed a credit for a transaction, but the original charge was not reversed correctly.

This reason code 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 reason code is a general-purpose code used when none of the other reason codes fully apply, and Amex has additional context or instructions included in the dispute notice.

This reason code 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 reason code is used when a merchant accepts a transaction that was previously declined by the issuer.

This reason code is used when a transaction is submitted after Amex’s required time limit for processing.

This reason code is triggered when a transaction is submitted using a card number that is not assigned to an active or valid American Express account.

This code is is used when a merchant fails to respond to a dispute inquiry at all within the required timeframe.

This reason code is used when Amex authorizes a chargeback due to a merchant’s failure to comply with transaction processing requirements.

This reason code applies when a transaction intended to be a charge is mistakenly processed as a credit.

This reason code is issued when a merchant fails to provide a sufficient or appropriate response to a chargeback inquiry within the required timeframe.

This reason code occurs when the cardholder is charged an amount that differs from what they agreed to at the time of purchase.

This reason code is used when a cardholder expects a credit for a return or refund but instead receives a charge.

This reason code is issued when a cardholder is expecting a refund, but a charge is mistakenly processed instead.

This reason code indicates that a transaction was processed as a charge when it should have been processed as a credit.