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What Is The American Express Chargeback Reason Code P22 – Non-Matching Card Number
American Express chargeback reason code P22 – Non-Matching Card Number is used when a cardholder disputes a transaction because the card number used doesn't match any valid card issued by American Express. This can happen due to data entry errors, fraudulent activity, or technical glitches. If you're a merchant dealing with this chargeback, you'll need to review your records, gather proof of the transaction details, and submit this evidence to American Express. The resolution process usually takes about 40 to 60 days, ensuring a thorough and fair review of the situation.
Common Causes Of American Express' P22 – Non-Matching Card Number
Data Entry Errors: The card number might have been entered incorrectly during the transaction, either by the customer or the merchant.
Fraudulent Activity: Fraudsters might use fabricated or stolen card numbers that do not match any issued cards.
Technical Issues: System glitches or technical errors during the payment processing might result in an incorrect card number being used.
Example Scenario of P22 – Non-Matching Card Number
Imagine you run an online store, and a customer places an order using a credit card. Due to a data entry error, the card number entered does not match any valid card issued by American Express, and the transaction goes through. Later, American Express identifies the issue and initiates a chargeback under reason code P22 – Non-Matching Card Number.
To handle this, you would review the transaction details, gather any relevant records, and submit this evidence to American Express. Additionally, you would investigate the error and implement measures to prevent similar issues in the future.
Resolution Time Frame for American Express Chargeback Reason Code P22 – Non-Matching Card Number
The resolution time frame for American Express chargeback code P22 – Non-Matching Card Number typically follows a structured process. Here’s an outline of the typical timeline:
Chargeback Filing: When a cardholder disputes a transaction due to a non-matching card number, American Express initiates the chargeback process. This usually happens shortly after the cardholder reports the issue.
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, sales receipts, and any communication with the cardholder.
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.
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 that the transaction was legitimate and the card number was entered correctly, the chargeback may be reversed. If the evidence supports the cardholder’s claim that the card number did not match any issued by American Express, the chargeback stands, and the cardholder keeps the funds.
How to Avoid Chargeback Reason Code P22 – Non-Matching Card Number
To minimize these disputes, consider these proactive measures:
Accurate Data Entry: Ensure all card numbers are entered accurately during transactions. Double-check manual entries to prevent errors.
Validation Checks: Implement validation checks in your payment processing system to ensure card numbers are valid before processing transactions.
Fraud Detection Tools: Use fraud detection tools that can help identify and prevent the use of invalid or non-matching card numbers.
How to Fix Chargeback Reason Code P22 – Non-Matching Card Number
If you receive a chargeback under code P22, here’s what you should do:
Review Transaction Details: Verify the details of the disputed transaction, including the card number used and how the transaction was processed.
Gather Documentation: Collect all relevant documents that can help prove the legitimacy of the transaction. This might include transaction logs, sales receipts, and any communication with the cardholder.
Submit Evidence: Provide this evidence to American Express promptly. Clearly explain the situation and provide documentation showing the transaction details and any steps taken to address the issue.
Correct Processing Practices: Review and, if necessary, update your transaction processing practices to ensure card numbers are entered and validated correctly.
