Reason Code P04Charge Processed as Credit

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Card Issuer

American Express

Reason Code



Processing Error


The cardholder claims the merchant should have processed a regular transaction on their card, but instead, the merchant credited their account.


The merchant picks the wrong choice on their processing interface and runs a transaction as a refund. 


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

  • Double-check transaction receipts before depositing.
  • Be keen not to process transactions that should be canceled or voided.
American Express Merchant Official Documentation
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