American Express reason codes identify the cause of disputes raised by cardholders directly with AmEx. Since American Express often acts as both the card issuer and network, understanding these reason codes is critical for managing disputes efficiently and protecting merchant revenue.
25 Active Codes
48% Success Rate
Up to 85%
Complete reference guide for chargeback reason codes
| Code | Description | How To Win |
|---|---|---|
| A01 | Charge Amount Exceeds Authorization Amount | |
| A02 | No Valid Authorization | |
| A08 | Authorization Approval Expired | |
| P01 | Unassigned Card Number | |
| P03 | Credit Processed as Charge | |
| P05 | Incorrect Charge Amount | |
| P07 | Late Submission | |
| P08 | Duplicate Charge | |
| P22 | Non-Matching Card Number | |
| P23 | Currency Discrepancy | |
| C02 | Credit Not Processed | |
| C04 | Goods/Services Returned or Refused | |
| C08 | Goods/Services Not Received or Only Partially Received | |
| C14 | Paid by Other Means | |
| C28 | Canceled Recurring Billing | |
| C31 | Goods/Services Not as Described | |
| C32 | Goods/Services Damaged or Defective | |
| F10 | Missing Imprint | |
| F14 | Missing Signature | |
| F22 | Expired or Not-Yet Valid Card | |
| F24 | No Cardmember Authorization | |
| F29 | Card Not Present | |
| FR2 | Fraud Full Recourse Program | |
| FR4 | Immediate Chargeback Program | |
| FR6 | Partial Immediate Chargeback Program |
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To answer common concerns and reduce hesitation from potential users.
American Express Reason Codes are numeric identifiers that explain why a transaction was disputed or charged back on an AmEx card.
They help you understand the specific reason behind a dispute so you can respond accurately and prevent future chargebacks.
Yes — each AmEx dispute comes with a reason code that categorizes the issue.
Yes — understanding the correct code allows you to prepare stronger evidence and boost your chances of winning representment
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