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American Express Reason Code P07 – Late Submission

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What Is The American Express Chargeback Reason Code P07 – Late Submission

American Express chargeback reason code P07 – Late Submission is used when a cardholder disputes a charge because the merchant submitted the transaction for processing too late, beyond the allowed timeframe. This can happen if there are delays in processing or technical issues that cause the submission to be late. If you're a merchant dealing with this chargeback, you need to review your records, gather evidence showing the transaction details and reasons for the delay, and submit this to American Express. The resolution process usually takes about 40 to 60 days, ensuring a thorough review and fair decision.

Common Causes Of American Express' P07 – Late Submission

  • Delayed Processing: The merchant might have delayed submitting the transaction for processing, either due to oversight or a backlog in their transaction processing system.

  • Technical Issues: Technical problems with the payment processing system can cause delays in submitting transactions within the required timeframe.

  • Batch Processing Delays: Merchants using batch processing may experience delays if they do not submit batches in a timely manner.

Example Scenario of P07 – Late Submission

Imagine you run a hotel, and a guest pays for their stay with a credit card. Due to a busy season and some technical issues, the transaction is not submitted for processing until several weeks later. The guest, not recognizing the delayed charge, disputes it under reason code P07 – Late Submission.

To handle this, you would review the transaction details, gather internal records showing when the transaction occurred and when it was submitted, and submit this evidence to American Express. Additionally, you would review your transaction processing procedures to prevent future delays.

Resolution Time Frame for American Express Chargeback Reason Code P07 – Late Submission

The resolution time frame for American Express chargeback code P07 – Late Submission typically follows a structured process. Here’s an outline of the typical timeline:

  1. Chargeback Filing: When a cardholder disputes a transaction due to late submission, American Express initiates the chargeback process. This usually happens shortly after the cardholder reports the issue.

  2. Merchant Response Time: Once the chargeback is issued, the merchant is notified and given an opportunity to respond. American Express generally allows merchants up to 20 days to gather and submit evidence to support their case. This evidence might include transaction logs, internal records, and any communication with the cardholder.

  3. Review and Decision: After the merchant submits their evidence, American Express reviews the information provided. This review period typically takes around 20-30 days. During this time, American Express assesses the validity of the merchant’s evidence and determines whether the chargeback should be reversed or upheld.

  4. Final Resolution: The entire process, from the initial dispute to the final decision, can take anywhere from 40 to 60 days. If the merchant’s evidence shows a valid reason for the delay or that the cardholder was informed and agreed to the charge, the chargeback may be reversed. If the evidence supports the cardholder’s claim of late submission, the chargeback stands, and the cardholder keeps the funds.

How to Avoid Chargeback Reason Code P07 – Late Submission

To minimize these disputes, consider these proactive measures:

  1. Timely Submission: Ensure that all transactions are submitted for processing as soon as possible, ideally on the same day or within the next business day.

  2. Automate Processes: Use automated systems for transaction processing to reduce the risk of delays due to manual errors or oversight.

  3. Regular Audits: Conduct regular audits of your transaction processing system to identify and address any potential delays.

How to Fix Chargeback Reason Code P07 – Late Submission

If you receive a chargeback under code P07, here’s what you should do:

  1. Review Transaction Details: Verify the details of the disputed transaction, including the date of the transaction and the date it was submitted for processing.

  2. Gather Documentation: Collect all relevant documents that can help explain the delay. This might include transaction logs, internal records, and any communication with the cardholder.

  3. Submit Evidence: Provide this evidence to American Express promptly. Clearly explain the reason for the delay and provide documentation showing the transaction details and submission dates.

  4. Address the Issue: Review your transaction processing procedures to ensure timely submission in the future. Identify any technical or operational issues that caused the delay and take corrective action.

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