American Express · Chargeback reason codes
American Express F24 chargeback: No Valid Authorization / Invalid or Expired Card
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American Express reason code F24, No Valid Authorization / Invalid or Expired Card, is a fraud chargeback on a charge that had no valid authorization or was made on an invalid or expired card. The issuer must report the fraud first. Answer with a valid authorization, proof the charge was within the card's valid dates, or proof it was below the floor limit. Stripe labels F24 "Multiple ROCs", which is F14 in the Amex rules.
- Category
- Fraud
- Time limit for the bank to file
- Usually 120 days from the network processing date
- Time limit to respond
- 20 days from the Amex chargeback or inquiry in the US (your processor's deadline may be earlier); no reply means a "No Reply" chargeback
- Typical evidence
- Valid authorization; card valid on the transaction date
- Can it be prevented?
- Yes: authorize every charge
- Who usually wins
- The merchant with a valid authorization
What PlatformDTC does
PlatformDTC authorizes every card payment through the processor before an order completes, and checks the card on file before each subscription renewal. PlatformDTC writes the product description, delivery address, buyer email and IP address onto every Stripe payment at checkout, then adds the carrier and tracking number when the parcel ships. When a fraud dispute opens it stops the subscription behind the order, and its response states the buyer's IP, billing and shipping address, what was bought and that the customer never asked the store for a refund. With "Answer a chargeback automatically" switched on, it sends the response to the bank for you before the deadline.
What it means
The Cardmember denies the charge and it lacked a valid approval or was on a card that was not valid on that date.
Why customers file it
Charging an expired card on file without authorization, or offline charges above the floor limit.
Evidence that wins
For every Amex code, a credit that directly offsets the disputed charge is also an accepted response.
- A valid authorization for the charge
- Proof the charge was within the card's valid dates
- Proof the transaction was below the applicable floor limit
How to prevent it
- Authorize every charge, including renewals
- Update expired cards before charging them
For developers
On Stripe the dispute object arrives with reason "fraudulent" and the card network's own code in payment_method_details.card.network_reason_code; listen for charge.dispute.created and read evidence_details.due_by for the deadline.
American Express uses one letter plus two digits for US and Canada merchants; elsewhere it uses four-digit ISO codes, and each letter code sits under one.
Frequently asked questions
- Is F24 the same as Multiple ROCs?
- No. Stripe labels F24 that way, but the American Express Merchant Rules define F24 as No Valid Authorization / Invalid or Expired Card and F14 as Multiple ROCs.
- Does a valid authorization win an F24?
- Yes, a valid authorization is an accepted response.
Sources
Related
- F14 — The Cardmember admits one real purchase but disputes other charges from the same merchant.
- A02 — The charge was submitted although the authorization was declined, reversed or never obtained.
- F30 — A counterfeit chip card was used where the chip was not read.
- F31 — A lost, stolen or never-received chip card was used where the chip was not read.
- FR2 — Amex placed the merchant in Fraud Full Recourse, so any fraud dispute can be charged back.
- FR4 — The merchant is in Amex's Immediate Chargeback Program, so disputes skip the inquiry stage.
- FR6 — Disputes below a set amount are charged back immediately with no inquiry first.
- P01 — The card number submitted does not belong to any American Express account.