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credit card mocks 03 22

American Express Reason Code P05 Incorrect Charge Amount

Disputeโ€‹

American Express

Card Issuer Name

P05

Reason Code

Processing Error

Category

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.ย 
  • The merchant switched the original transaction amount without the cardholderโ€™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.
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