# American Express

> Chargeback reason codes of American Express.

### North-America

| **Chargeback** **Categories** | **Reason Code** | **Reason** | **Description** |
| --- | --- | --- | --- |
| Fraud | F24 | No Card Member Authorization | The cardholder is claiming that they did not authorize the transaction. |
| Fraud | F29 | Card not present | The cardholder did not authorize or participate in a transaction conducted in a Card Not Present environment |
| Fraud | F30 | Fraud liability shift - counterfeit | The cardholder is claiming that they did not authorize or participate in the transaction. The cardholder may also claim that a counterfeit card authorized a transaction from his or her account. |
| Fraud | F31 | Fraud liability shift - lost/ stolen | The cardholder is claiming that they did not authorize or participate in a transaction originated with the EMV terminal |
| Fraud | FR2 | Fraud full recourse program | American Express' Fraud Full Recourse Program flagged the transaction. |
| Fraud | FR4 | Immediate chargeback program | This is a program that allows American Express to process any dispute immediately as cardholder files a chargeback for any reason than actual fraud. |
| Fraud | FR6 | Partial Immediate chargeback program | The cardholder has disputed the charge and you have been placed in the Partial Immediate Chargeback Program. |
| Fraud | F10 | Missing imprint | Cardholder did not participate in a purchase and was not provided a copy of the card imprint (card-present environments only). |
| Fraud | F14 | Missing signature | The merchant neglected to give the cardholder a copy of the signed receipt; signature on the receipt is invisible or not prominent due to light ink, ribbed or colored paper, or fading; the original order receipt is mishandled or is scanned at a smaller size. |
| Authorization | A01 | Charge Exceeds Authorization Amount | The amount of the authorization approval was less than the amount of the charge submitted by the merchant. |
| Authorization | A02 | No Valid Authorization | The charge submitted by the merchant was either declined or the card was expired. |
| Authorization | A08 | Authorization Approval Expired | Transaction submission was made after the authorization approval had expired. |
| Processing Error | P01 | Unassigned Account Number | The card number used for the transaction is not assigned to a valid account, or not assigned to the cardholder. |
| Processing Error | P03 | Credit Posted as A Charge | The cardholder was debited for a transaction that should have been a credit. |
| Processing Error | P04 | Charge Posted as A Credit | The cardholder was credited for a transaction that should have been a debit. |
| Processing Error | P05 | Incorrect Transaction Amount Presented | The transaction was processed with an incorrect amount. |
| Processing Error | P07 | Late Presentment | The transaction was not processed within the required time-limit. |
| Processing Error | P08 | Duplicate Charge | The transaction was processed more than once. |
| Processing Error | C14 | Paid by Other Means | The transaction has already paid by other means. |
| Processing Error | P23 | Currency discrepancy | The transaction was processed with an incorrect currency code. |
| Processing Error | P22 | Non-matching card number | The transaction did not receive authorization and was processed using an account number that does not match any on the issuer's master file. |
| Consumer Dispute | C04 | Goods/ services returned or refused | The cardholder refused delivery of goods or services or returned merchandise, but a credit was not processed. |
| Consumer Dispute | C08 | Goods/ services ordered but not received | The cardholder claims to have not received (or only partially received) the goods or services ordered. |
| Consumer Dispute | C18 | “No show” or CARD eposit canceled | The cardholder claims a lodging reservation was canceled, or an expected credit for a CARDeposit charge was not received. |
| Consumer Dispute | C31 | Not as Described | Goods or services received were not as described on the transaction receipt or other documentation presented to the cardholder. |
| Consumer Dispute | C28 | Cancelled Recurring Transaction | A recurring transaction was processed after it was cancelled or that the cardholder’s account was closed. |
| Consumer Dispute | C32 | Goods/ services damaged or defective | the merchandise was received damaged or defective. |
| Consumer Dispute | C02 | Credit not processed | The cardholder received a credit or voided transaction receipt that was not processed. |
| Consumer Dispute | C05 | Goods/ services cancelled | The cardholder claims that the merchant had charged him or her for a merchandise/service that was canceled. |
| Consumer Dispute | M10 | Vehicle rental-capital damages, theft or loss of use | The cardholder claims to have been incorrectly billed for capital damages to a rented vehicle. |
| Consumer Dispute | M49 | Vehicle rental-theft or loss of use | The cardholder claims to have been incorrectly charged for theft or loss of use of a rental vehicle. |

### Other countries

| **Chargeback** **Categories** | **Reason Code** | **Reason** | **Description** |
| --- | --- | --- | --- |
| Fraud | 4540 | Card not present | The cardholder did not authorize or participate in a transaction conducted in a Card Not Present environment |
| Fraud | 4798 | Fraud liability shift - counterfeit | The cardholder is claiming that they did not authorize or participate in the transaction. The cardholder may also claim that a counterfeit card authorized a transaction from his or her account. |
| Fraud | 4799 | Fraud liability shift - lost/ stolen | The cardholder is claiming that they did not authorize or participate in a transaction originated with the EMV terminal |
| Fraud | 4763 | Fraud full recourse program | American Express' Fraud Full Recourse Program flagged the transaction. |
| Fraud | 4527 | Missing imprint | Cardholder did not participate in a purchase and was not provided a copy of the card imprint (card-present environments only). |
| Fraud | 4526 | Missing signature | The merchant neglected to give the cardholder a copy of the signed receipt; signature on the receipt is invisible or not prominent due to light ink, ribbed or colored paper, or fading; the original order receipt is mishandled or is scanned at a smaller size. |
| Fraud | 4534 | Multiple ROCs | The cardholder claims that a fraudulent purchase was made while the card was in the cardholder's possession at the time of the transaction. |
| Authorization | 4521 | Invalid authorization | Authorization was not obtained on the transaction. |
| Authorization | 4755 | No Valid Authorization | The charge submitted by the merchant was either declined or the card was expired. |
| Authorization | 4751 | Authorization Approval Expired | Transaction submission was made after the authorization approval had expired. |
| Processing Error | 4523 | Unassigned Cardmember account number | The card number used for the transaction is not assigned to a valid account, or not assigned to the cardholder. |
| Processing Error | 4752 | Credit/ debit presentment error | The transaction was processed with an incorrect transaction code. |
| Processing Error | 4507 | Incorrect transaction amount. | The transaction was processed with an incorrect amount. |
| Processing Error | 4536 | Late Presentment | The transaction was not processed within the required time-limit. |
| Processing Error | 4512 | Multiple processing | The transaction was processed more than once. |
| Processing Error | 4515 | Paid through other means | The transaction has already paid by other means. |
| Processing Error | 4530 | Currency discrepancy | The transaction was processed with an incorrect currency code. |
| Consumer Dispute | 4554 | Goods/ services ordered but not received | The cardholder claims to have not received (or only partially received) the goods or services ordered. |
| Consumer Dispute | 4553 | Not as Described | Goods or services received were not as described on the transaction receipt or other documentation presented to the cardholder. |
| Consumer Dispute | 4544 | Cancellation of recurring goods/ services | A recurring transaction was processed after it was cancelled or that the cardholder’s account was closed. |
| Consumer Dispute | 4513 | Credit not processed | The cardholder received a credit or voided transaction receipt that was not processed. |