Why it happens
- The terminal did not support chip and PIN.
- PIN verification was skipped.
American ExpressF31Fraud
EMV Lost/Stolen/Non-Received
The card member says their chip card was lost, stolen or never received, and the charge was not processed with chip and PIN.
What to send to fight it
- Terminal records showing the chip was read and the PIN was verified.
- Proof the terminal supported chip and PIN.
- The authorization record for the charge.
How to prevent it
- Use terminals that support chip and PIN.
- Do not bypass PIN entry when the card asks for it.
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
- F29Card Not Present
- F30EMV Counterfeit
- 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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