Why it happens
- A tip, shipping fee or tax was added after the authorization.
- The final order total changed but no new authorization was requested.
- A pre-authorization for an estimate was settled for a larger amount.
American ExpressA01
Charge Amount Exceeds Authorization Amount
The amount you submitted is higher than the amount the card issuer approved. The card member, or the issuer, disputes the extra part.
What to send to fight it
- The authorization record with its approved amount.
- Proof that a second authorization covered the difference.
- The signed or accepted receipt showing the final amount.
- Terms the customer accepted that allowed the final amount.
How to prevent it
- Request a new or incremental authorization whenever the total goes up.
- Settle for the authorized amount, and charge any extra as a separate, authorized charge.
Summaries written by NoChurn from the networks’ public rules and processor documentation. Networks update their rules and deadlines depend on your processor: check its documentation before you respond.
Other American Express codes
- A02No Valid Authorization
- A08Authorization Approval Expired
- C02Credit Not Processed
- C04Goods/Services Returned or Refused
- C05Goods/Services Cancelled
- C08Goods/Services Not Received or Only Partially Received
- C14Paid by Other Means
- C18"No Show" or CARDeposit Cancelled
- C28Cancelled Recurring Billing
- C31Goods/Services Not As Described
- C32Goods/Services Damaged or Defective
- F10Missing Imprint
- F14Missing Signature
- F24No Card Member Authorization
- F29Card Not Present
- F30EMV Counterfeit
- F31EMV Lost/Stolen/Non-Received
- FR2Fraud Full Recourse Program
- FR4Immediate Chargeback Program
- FR6Partial Immediate Chargeback Program
- M01Chargeback Authorization
- M10Vehicle Rental - Capital Damages
- M49Vehicle Rental - Theft or Loss of Use
- P01Unassigned Card Number
- P03Credit Processed as Charge
- P04Charge Processed as Credit
- P05Incorrect Charge Amount
- P07Late Submission
- P08Duplicate Charge
- P22Non-Matching Card Number
- P23Currency Discrepancy
- R03Insufficient Reply
- R13No Reply
Sources (2)
- American Express: How to Manage and Help Prevent Disputes (US Disputes Reference Guide) · checked 2026-11-09
- Antom (Alipay) Docs: American Express dispute reason codes · checked 2026-11-09
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