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credit card mocks 03 25

American Express Reason Code P22 Non-Matching Card Number

Disputeโ€‹

American Express

Card Issuer Name

P22

Reason Code

Processing Error

Category

Claim

The card number the merchant charged the transaction to isn’t assigned to a cardholder or a valid account.

Cause

  • The merchant processed the purchase to an incorrect account number.
  • The transaction was processed to an account number that was missing on the issuerโ€™s master file.

Response

Cardholders and issuers have no limit to the number of days they have to to file a dispute related to the claim against the merchant.
Merchants have 20 days to respond to the claim in dispute.

Steps to Prevention

  • Always double-check the transaction amount before processing.ย 
  • Confirm the account number with the cardholder for a card-not-present environment.ย 
  • Train your staff on the correct procedures for processing all transactions.
Justt

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