Why it happens
- The reply was missing documents that were asked for.
- The documents sent did not address the card member’s claim.
American ExpressR03Processing error
Insufficient Reply
American Express asked the merchant for information about a charge, and the reply did not include what was needed.
What to send to fight it
- The complete documents requested in the original inquiry.
- Proof that the full reply was sent in time.
- The original inquiry and your reply, so the gap can be checked.
How to prevent it
- Read each inquiry and answer every point it raises.
- Keep receipts, terms and delivery records easy to retrieve.
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
- 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
- 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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