Why it happens
- The card was keyed in by hand at a terminal.
- A lost or stolen card was used and the number was typed instead of read from the card.
American ExpressF10Fraud
Missing Imprint
The card member says they did not make the charge, and the merchant cannot show that the card was physically present.
What to send to fight it
- Proof the card was read by chip, contactless or swipe.
- A signed receipt or another proof that the card member took part.
- Records linking the card member to the purchase, such as a loyalty account or previous purchases.
How to prevent it
- Read the card with the terminal rather than typing the number.
- Use chip-enabled terminals and keep them up to date.
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
- A01Charge Amount Exceeds Authorization Amount
- 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
- 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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