Reason Code P05Incorrect Charge Amount

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Dispute

Card Issuer

American Express

Reason Code

P05

Category

Processing Error

Claim

The merchant processed a different amount from what they got authorization for/the cardholder agreed to.

Cause

  • The merchant made an error in calculating or entering the transaction amount.
  • The merchant altered the transaction amount by adding a tip or gratuity. 
  • The merchant switched the original transaction amount without the cardholder’s consent.

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 final transaction amount.
  • Never change the transaction amount without the cardholder's permission.
American Express Merchant Official Documentation
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