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American Express Reason Code P07 Late Submission

Disputeโ€‹

American Express

Card Issuer Name

P07

Reason Code

Processing Error

Category

Claim

The merchant didnโ€™t submit the transaction in the required time.

Cause

  • The merchant didnโ€™t process the transaction within the stipulated timelines, and the account is closed.ย 
  • The merchant posted the transaction 181 days after the transaction date.

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

  • Deposit the order receipt with the acquirer as soon as possible (on the transaction date if possible).
  • Complete the payment batches fast.
  • Process all transactions within 180 days of the transaction.
  • If you feel a customer might be caught off-guard by the transactionโ€™s timing, inform them well in advance to give them sufficient time to switch to an alternate payment method.
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