Chargeback Reason Codes

Charge amount exceeds authorization amount

A transaction is processed for an amount beyond the merchant's floor limit; an error was made enteri…

No valid authorization

Transaction was made after the authorization code and transaction date; the limited authorization in…

Authorization approval expired

The transaction was not approved; the transaction was submitted after the expiration of the authoriz…

Credit not processed

The merchant didn't credit the account; the merchant issued the credit but not in time to be posted …

Goods/services returned or refused

Cardholder refused delivery of goods or services and has not yet received a credit; cardholder retur…

Goods/services canceled

Cancellation not received; cancellation not processed. 1. Merchant Disregarded Cancellation Request …

Goods/Services Not Received or Only Partially Received

Goods Were Never Shipped - The buyer made a purchase, but you failed to ship the items, or to provid…

Paid by Other Means

The merchant didn't void multiple transactions; the transaction was processed but the cardholder pai…

"No Show" or CARDeposit Canceled

Cardholder was billed for lodging services that were allegedly canceled. - You did not complete the …

Canceled Recurring Billing

The cardholder withdraws permission to change the account, or cancelled payment for subscription; ca…

Goods/Services Not as Described

The merchandise was damaged upon its arrival; the merchandise does not match the merchant's descript…

Goods/Services Damaged or Defective

The merchandise was damaged upon its arrival; the merchandise does not match the merchant's descript…

Missing Imprint

The merchant did not obtain correct card information from the cardholder or processed a transaction …

Multiple ROC's

The cardholder admits to having authorized a transaction. However, the merchant submitted multiple R…

No Cardmember Authorization

The merchant processed an invalid account number; a family member ordered from the primary cardholde…

Card Not Present

In a card-absent environment (online/phone/direct mail sales, etc.), either a) an unauthorized (frau…

EMV Counterfeit

The POS system was not an enabled for chip, or the transaction was manually keyed; the merchant's ca…

EMV List/Stolen/Non-received

Merchant did not ensure that the card was either swiped or that the chip was read; merchant did not …

Fraud Full Recourse Program

Merchant falls under high-risk category; The issuer receives an unusual number of inquiries and char…

Immediate Chargeback Program

Merchant enrolled himself in this program to avoid receiving inquiries and disputes; Amex put the me…

Partial Immediate Chargeback Program

Merchant enrolled himself in this program to avoid receiving inquiries and disputes; Amex put the me…

Chargeback Authorization

The merchant authorized the chargeback. 1. The Cardholder is Entitled to a Chargeback - The cardhold…

Vehicle Rental - Capital Damages

- Cardholder misunderstood responsibility for capital damages - Cardholder disagrees with charges - …

Vehicle Rental - Theft or Loss of Use

The merchant bills the cardholder for AMX-covered costs

Unassigned Card Number

The merchant erred, either in entering or calculating information; the cardholder supplied an incorr…

Credit Processed as Charge

The merchant processed a debit instead of a credit, processed a credit instead of processing a rever…

Charge Processed as Credit

The merchant processed a credit instead of a debit, or in some other way processed a transaction tha…

Incorrect Charge Amount

The merchant erred, either in entering or calculating information; the merchant changed the amount o…

Late Submission

The transaction wasn't processed in a timely fashion and the account has since been closed; transact…

Duplicate Charge

The merchant tries to submit multiple batches at one time; the transaction has multiple receipts; th…

Non-Matching Card Number

The processed the transaction to an incorrect account number; The merchant did not authorize the tra…

Currency Discrepancy

The transaction currency differs from the currency transmitted through Visa; the cardholder was not …

Insufficient Reply

- The merchant did not supply documents requested. - The merchant supplied only partial documentatio…

No reply

- The merchant did not respond to an American Express inquiry. - The merchant responded to an Americ…