Reason Code F14Missing Signature

↩  Back to Directory


Card Issuer

American Express

Reason Code





The cardholder claims they didn’t participate in or authorize a transaction verified by a signature, nor does the merchant have a copy of a signed receipt to prove otherwise.


  • The merchant failed to give the cardholder a copy of the signed receipt.
  • The signature on the receipt is either not prominent or invisible due to fading, colored or ribbed paper, or light ink.
  • The original receipt is scanned in a small size.


Cardholders and issuers have 120 days 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 machines with full toner or ink.
  • Make copies or scans of order receipts in their actual sizes.
  • Have copies of order receipts.
  • Always give cardholders copies of receipts.
American Express Merchant Official Documentation
Sign up for our newsletter
2024 Justt Ltd. All rights reserved.