Why it happens
- A stolen card number was used for an online order.
- An account was taken over and charged.
- The card member forgot a subscription or does not recognize the merchant name.
American ExpressF29Fraud
Card Not Present
The card member says they did not authorize a charge made online, by phone or by mail, where the card was not shown.
What to send to fight it
- Authentication results, such as 3-D Secure (SafeKey) and address or security code checks.
- Delivery to the card member’s billing address.
- IP address, device and login history linking the card member to the order.
- Previous undisputed charges on the same card and account.
- Usage records showing the product or service was used.
How to prevent it
- Use 3-D Secure and address and security code checks.
- Use a billing descriptor that matches your brand name.
- Screen orders for risk before fulfilling them.
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
- F10Missing Imprint
- F14Missing Signature
- F24No Card Member Authorization
- 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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