How to Deal With American Express Chargebacks Quickly

American Express, also known as AmEx, is a U.S. multinational corporation specializing in financial servicesparticularly its charge cards, credit cards, and traveler’s cheques.

Few people know that American Express was founded in 1850 as a freight-forwarding and mailing company. Nowadays, it is most notable for servicing high-income cardholders with a sturdy credit score. There are currently 63 million AmEx cardholders in the U.S., averaging about $6 billion in transactions each year.

If you need to dispute a transaction on your AmEx card and demand a chargeback, this concise guide will show you exactly how to do it.

How to Get an American Express Chargeback by Yourself

If you’re unhappy with a purchase or there’s been another kind of mistake with your AmEx transaction, you should first aim to resolve this with the vendor. Sometimes, though, that will take you nowhere—mainly if the seller isn’t keen to cooperate or admit their mistake. What you need to do in such a case is to dispute the transaction and request a chargeback from American Express.

Unlike Visa and Mastercard that provide card payment-processing services to merchants, American Express also acts as the issuing bank. Because there are fewer parties involved (the card issuer, i.e., the bank is “cut out” from the process), the American Express chargeback process is generally faster and more straightforward.

To start a chargeback process on your AmEx card, follow these steps:

  1. Get in touch with American Express by logging into your account
  2. Click on Review Charges
  3. File a claim and explain why you’re disputing the transaction 
  4. If more data is required, the request will be sent to the Merchant Services provider
  5. The merchant can either fight your chargeback or pay you out

Please note that, if you’d like to dispute a Pending Charge, it must become a Posted Transaction before American Express can commence the process. In the meantime, the company can keep an eye on the Pending Charge and email you if it appears on your account.

DoNotPay Helps You Secure an AmEx Chargeback

Fox details how DoNotPay makes it easier to fight companies by suing them in small claims court  Would you prefer that somebody else deals with your American Express chargeback? Our app just fits the bill for it. DoNotPay is well-versed in this process and can dispute the problematic transaction on your behalf.

You’ll need to give us a few pieces of essential information so that we’re able to help you. Let’s start:

  1. Open the DoNotPay app in your web browser or on your iOS device
  2. Tap on Get Protected under the Chargeback Instantly button
  3. Answer the questions from our chatbot (mainly about your personal details and the merchant of the transaction)
  4. Verify your signature 
  5. Submit your request

Once we have collected all the relevant data, our app will:

  • Fax the chargeback request to your bank/card issuer
  • Cite the key American Express rules and policies that will bolster your claim

That’s quite efficient, isn’t it? All you have to do is sit back and wait until we fetch your money back.

How to Avoid AmEx Disputes as a Merchant 

To avoid or at least minimize the number of potential disputes from your customers, you should pay attention to the following points:

  1. Provide clear billing statement details
  2. Offer a precise refund policy
  3. Comply with AmEx network policies 
  4. Work to prevent fraud 

Provide Clear Billing Statement Details

The cardholder needs to be able to recognize your charges on their card statement clearly. State your business name so that it’s immediately familiar to your customers. Otherwise, they might dispute a transaction because they can’t figure out where it came from. 

Offer a Precise Refund Policy

All of your written cancelation, return, refund, and special terms policies should be available to the customer at the time of purchase.

Comply With AmEx Network Policies 

AmEx states that you should:

  • Process and submit credits due at the earliest convenience
  • Wait until the items are shipped to process the charge
  • Cancel recurring payments as soon as you’re asked to discontinue them

Work to Prevent Fraud

To minimize the chances of fraud, American Express states that you ought to:

  • Check for ID during all face-to-face transactions
  • Obtain a valid authorization code
  • Attain an imprint for keyed transactions or key card identification (CID)

What Is the American Express Chargeback Policy?

AmEx Card Members have 120 days from the transaction to dispute the charge. The merchant has to respond within a timeframe stated by their Merchant Services Provider. This process is laid out in the How to Manage and Help Prevent Disputes document.

There are many different types of chargeback codes classified by AmEx, and they can be roughly split into these categories:

  • Authorization
  • Card Member Dispute
  • Fraud 
  • Miscellaneous
  • Processing Errors 

In practice, the chargeback claim may be categorized similarly to some of the examples below: 

Reason Code

Category

Description

A02

Request for InformationNo Authorization
C02Canceled/Returned by Cardholder

Credit not Processed

FR2

FraudFraudulent Transaction
P08Processing Error

Paid By Other Means

R01

Non-Receipt of Goods or ServicesNon-Receipt of Merchandise
R03Request for Information

Fraudulent Transaction

R04

Canceled/Returned by CardholderNot as Described or Defective Merchandise
R14Request for Information

Requested Transaction Information Not Received

What if You Suspect You Were the Victim of Fraud?

American Express states that a disputed charge doesn’t equal a fraudulent charge. You should monitor your online account and statements for unusual activity on a regular basis. If you come across a charge for a merchant with whom you didn’t do business with, this could indicate a fraudulent charge. Credit card fraud occurs when another person makes an unauthorized charge, most commonly after your card has been lost or stolen.

To find out more about how you can protect yourself from fraud, you should head to AmEx’s Security Center. If you believe you’re the victim of fraud, call their customer service at 1-800-528-4800 to report your concerns as soon as you can. 

How Long Does the American Express Chargeback Process Take?

American Express chargebacks typically take less time than, say, Visa, or Mastercard. 

If American Express sends an inquiry (as opposed to immediately solving the issue in the cardholder’s favor), the merchant has 20 days to respond. If the merchant doesn’t get back to AmEx within the set timeframe or doesn’t provide satisfactory evidence, the inquiry will automatically turn into a chargeback, and the cardholder will receive their money back.

If You Need It, the Chances Are That DoNotPay Can Do It

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