Get a Taste of ChargebackX—the first conference dedicated to chargebacks

credit card mocks 03 25

American Express Reason Code P22 Non-Matching Card Number

Dispute​

American Express

Card Issuer Name

P22

Reason Code

Processing Error

Category

Claim

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

Cause

  • 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.

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 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.
Justt

Written by

Justt

Explore

blog 4 1

Visa VAMP’s Tighter Threshold Is Now Live: What Merchants Need to Know

blog 5 1

Holiday Shopping Chargeback Trends, and How Retailers Can Prepare

blog 3 1

4 Ways to Prepare for Rising Card Scheme Fees and Tightening Deadlines

Apply for this position