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American Express Reason Code R03 Insufficient Reply

Disputeโ€‹

American Express

Card Issuer Name

R03

Reason Code

Inquiry

Category

Claim

American Express requested additional transaction information but the merchant didnโ€™t offer sufficient information.

Cause

  • The merchant failed to provide the documents American Express requested.ย ย 
  • The merchant replied with partial documentation.

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

  • Keep accurate transaction records for every transaction you process.ย 
  • Always read requests carefully and issue full documentation as requested.
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