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American Express Reason Code P23 Currency Discrepancy

Disputeโ€‹

American Express

Card Issuer Name

P23

Reason Code

Processing Error

Category

Claim

The merchant made multiple transaction currency errors.

Cause

  • The transaction currency is different from the currency that was transmitted through American Express.
  • The cardholder wasnโ€™t given the opportunity to accept Dynamic Currency Conversion.

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 inform the cardholder of the currency conversion and any fees that apply.
  • Give your cardholder the opportunity to make purchases in their local currency.
  • Train the staff on the right procedure of handling transactions made in a different currency.
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