American Express Chargeback Codes

There is probably nothing more frustrating in business than to learn that a customer has initiated a chargeback without calling you to discuss why or what you might be willing to do to remedy a problem.  You might become even more frustrated as credit card companies use codes to determine the reason for the chargeback.  It should be noted that Discover uses multiple codes to indicate the same conditions.  Use this handy guide to determine why a customer has initiated a chargeback through American Express.

The below charts outline the American Express chargeback reason codes, divided into six categories.

Chargeback Category: Authorization Issue
Reason Code Explanation
A01 Charge Amount Exceeds Authorization Amount
A02 No Valid Authorization
A03 Authorization Approval Expired


Chargeback Category: Processing Error
Reason Code Explanation
P01 Unassigned Card Number
P03 Credit Processed as Charge
P04 Charge Processed as Credit
P05 Incorrect Charge Amount
P07 Late Submission
P08 Duplicate Charge
P22 Non-Matching Card Number
P23 Currency Discrepancy


Chargeback Category: Cardmember Dispute
Reason Code Explanation
C02 Credit Not Processed
C04 Goods/Services Returned or Refused
C05 Goods/Services Canceled
C08 Goods/Services Not Received or Only Partially Received
C14 Paid by Other Means
C18 “No Show” or CARDeposit Canceled
C28 Canceled Recurring Billing
C31 Goods/Services Not as Described
C32 Goods/Services Damaged or Defective
M10 Vehicle Rental – Capital Damages
M49 Vehicle Rental – Theft or Loss of Use


Chargeback Category: Fraud
Reason Code Explanation
F10 Missing Imprint
F14 Missing Signature
F22 Expired or Not-Yet Valid Card
F24 No Cardmember Authorization
F29 Card Not Present


Chargeback Category: Inquiry/Miscellaneous
Reason Code Explanation
R03 Insufficient Reply
R13 No Reply
M01 Chargeback Authorization


Chargeback Category: Chargeback Programs
Reason Code Explanation
FR2 Fraud Full Recourse Program
FR4 Immediate Chargeback Program
FR6 Partial Immediate Chargeback Program