Chargebacks Reference Table for American Express on Floorzap Payments

Dispute Type	Reason Code	Reason Code - North America	Reason	Description	Defendable	Timeframe	Defense Requirements
Fraud Dispute	4527	F10	Missing Imprint	cardholder denies participation in a charge that was not processed using Magnetic Stripe or Chip Card Data.	Yes	14 days from receiving notice of charge	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#missing-imprint
Fraud Dispute	4534	F24	No Card Member Authorization/Multiple Record of Charges	cardholder denies participation in the charge submitted, and you have failed to provide proof that the cardholder did participate in the transaction	Yes	14 days from receiving notice of charge	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#no-card-member-authorization-multiple-rocs
Fraud Dispute	4540	F29	Card Not Present (Fraud)	The cardholder denies participation in a card-absent environment such as Mail Order/Telephone Order (MOTO) or online transaction.	Yes	14 days from receiving notice of charge	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#card-not-present
Fraud Dispute	763 -	FR2	Full recourse	The cardholder challenged the charge, and you have been placed in the Fraud Full Recourse Program.	-x-	-x-	None
Fraud Dispute	4798	F30	Fraud Liability Shift – Counterfeit	The cardholder claims that they did not authorize or participate in a transaction that you processed.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#fraud-liability-shift-counterfeit
Fraud Dispute	4799	F31	Fraud Liability Shift – Lost/Stolen/Non-Received	The cardholder claims that they did not authorize or participate in a transaction that you processed.	Yes	14 days from receiving the NoC	None
		FR4	Placed in Immediate Chargeback Program	The cardholder challenged the charge, and you have been placed in the Immediate Chargeback Program.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#fraud-liability-shift-lost-stolen-non-received
	-		Placed in the Partial Immediate Chargeback Program	The cardholder challenged the charge, and you have been placed in the Partial Immediate Chargeback Program.	-x-	-x-	None
Authorization Dispute	4521	A01	Incorrect Transaction Amount Presented - Charge Amount Exceeds Authorization Amount	The charges submitted were either incorrect or exceeded the authorized amount.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#incorrect-transaction-amount-presented
Authorization Dispute	4521	A02	No Valid Authorization	The payment could not be authorized.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#no-valid-authorization
Authorization Dispute	4755	A08	Authorization Approval Expired - No valid Authorization	The payment could not be authorized because the transaction expired.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#authorization-approval-expired
Processing Errors	4507	•P05 •P22	Incorrect Transaction Amount Presented Non-matching Card Number	Charges were incorrectly submitted by using an incorrect amount. The card number used for the transaction is not assigned to a valid account nor to the cardholder.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#incorrect-transaction-amount-presented
Processing Errors	4512 - "	P08	Multiple Processing/Duplicate Charge	A charge was incorrectly submitted more than once to the cardholder's account.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#non-matching-card-number
Processing Errors	4523	P01	Invalid/Incorrect Card Number - Unassigned Card Number	The card number used for the transaction is not assigned to a valid account or to the cardholder.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#multiple-processing-duplicate-charge
Processing Errors	4530	P23	Currency Discrepancy	The cardholder was advised that the charge is in a currency that differs from what they originally agreed upon.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#currency-discrepancy
Processing Errors	4536	P07	Late presentment/Late submission	The transaction was not captured within the timeframe.	-x-	-x-	None
Processing Errors	4752	P03	Credit / Debit Presentment Error	The cardholder was debited for a transaction that should have been a credit.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#credit-not-processed-as-a-charge
Processing Errors	4758	F22	Expired/Not Yet valid card	The transaction completed with an expired card.	-x-	-x-	None
Consumer Dispute	4513	C02	No Credit Received/Credit not Processed	A credit has not been applied to the cardholder's account for either of the following reasons: •Goods/services canceled. •You have made an advance deposit or payment. •A no show reservation.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#no-credit-received-credit-not-processed
Consumer Dispute	4513	C04	Goods and Services not Received/Refused	The cardholder claims that the goods or services they purchased at your business were not received or refused.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#goods-and-services-not-received-refused
Consumer Dispute	4513	C05	Goods Returned/Canceled	The cardholder claims that the goods/services they ordered were canceled.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#goods-returned-canceled
Consumer Dispute	4513	C18	No Show or Canceled CARDeposit (card deposit) / Lodging reservation canceled or a credit for a CARDeposit charge was not received	The cardholder claims that they have canceled a lodging reservation or they did not receive a credit for a CARDeposit transaction.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#no-show-or-canceled-cardeposit
Consumer Dispute	4515	C14	Paid through Other Means	The cardholder provided proof of payment by another method.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#paid-through-other-means
Consumer Dispute	4532	C32	Damaged and/or Defective Goods/Services	The cardholder disputes the quality of the merchandise or services.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#damaged-and-or-defective-goods-services
Consumer Dispute	4544	C28	Cancellation of Recurring Goods/Services	The cardholder claims that their account continues to be billed for recurring goods or services they have previously canceled or revoked.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#cancellation-of-recurring-goods-services
Consumer Dispute	4553	C31	Not as Described	The goods or services received from your business were either not as described by your business or the price should be lower than that claimed by your business.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#not-as-described
Consumer Dispute	4554	C08	Goods/Services Not Received or Only Partially Received.	The cardholder claims that they did not receive the goods/services or only partially.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#goods-services-not-received-or-only-partially-received
Consumer Dispute	4750	M10	Vehicle Rental - Damages, Theft, or loss of Use/ Car Rental Charge in Dispute	The cardholder claims that they have been incorrectly billed for damages, theft, or loss of use.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#car-rental-charge-in-dispute
Retrieval Chargeback	4516	R13	No Reply / No Response for Inquiry Provided	American Express did not receive a response to a previous inquiry within the specified timeframe.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#no-reply
Retrieval Chargeback	4517		Request for Support Illegible/Incomplete	The documents received from you were insufficient and/or did not link the transaction to the cardholder.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#request-for-support
Retrieval Chargeback	4571	R03	Complete support and/or Documentation not Provided/ Insufficient Reply	Documentation is missing and not provided as requested.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#complete-support-and-or-documentation-not-provided
Retrieval Chargeback	4754	M01	Authorization to process Chargeback Received/ Chargeback Authorization	American Express has received authorization to process the chargeback.	Yes	14 days from receiving the NoC	https://docs.adyen.com/risk-management/understanding-disputes/dispute-reason-codes/#chargeback-authorization

Chargebacks Reference Table for American Express on Floorzap Payments

Provides reason codes, and explanations to help you better understand the specific chargeback in question when an American Express card has been used.