Reason Code P22Non-Matching Card Number

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Card Issuer

American Express

Reason Code



Processing Error


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


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


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. 
  • Confirm the account number with the cardholder for a card-not-present environment. 
  • Train your staff on the correct procedures for processing all transactions.
American Express Merchant Official Documentation
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