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 CodeExplanation
A01Charge Amount Exceeds Authorization Amount
A02No Valid Authorization
A03Authorization Approval Expired


Chargeback Category: Processing Error
Reason CodeExplanation
P01Unassigned Card Number
P03Credit Processed as Charge
P04Charge Processed as Credit
P05Incorrect Charge Amount
P07Late Submission
P08Duplicate Charge
P22Non-Matching Card Number
P23Currency Discrepancy


Chargeback Category: Cardmember Dispute
Reason CodeExplanation
C02Credit Not Processed
C04Goods/Services Returned or Refused
C05Goods/Services Canceled
C08Goods/Services Not Received or Only Partially Received
C14Paid by Other Means
C18“No Show” or CARDeposit Canceled
C28Canceled Recurring Billing
C31Goods/Services Not as Described
C32Goods/Services Damaged or Defective
M10Vehicle Rental – Capital Damages
M49Vehicle Rental – Theft or Loss of Use


Chargeback Category: Fraud
Reason CodeExplanation
F10Missing Imprint
F14Missing Signature
F22Expired or Not-Yet Valid Card
F24No Cardmember Authorization
F29Card Not Present


Chargeback Category: Inquiry/Miscellaneous
Reason CodeExplanation
R03Insufficient Reply
R13No Reply
M01Chargeback Authorization


Chargeback Category: Chargeback Programs
Reason CodeExplanation
FR2Fraud Full Recourse Program
FR4Immediate Chargeback Program
FR6Partial Immediate Chargeback Program