American Express · Chargeback reason codes
American Express P22 chargeback: Incorrect Card Number Submitted
Checked
American Express reason code P22, Incorrect Card Number Submitted, means the card number on the charge does not match the Cardmember's account. Full magnetic stripe authorized and chip transactions with a transaction certificate are excluded. Answer with proof the transaction is excluded or with a credit; you may also accept the chargeback and resubmit with the correct number, though late submission rules then apply.
- Category
- Processing error
- 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
- Card read or chip record; a credit
- Can it be prevented?
- Yes: read or tokenise cards instead of keying them
- Who usually wins
- The merchant with a card read or chip record
What PlatformDTC does
Every PlatformDTC card payment is entered by the shopper in the processor's own card field and authorized before the order completes. PlatformDTC answers this kind of dispute with its standard evidence pack built from the order: customer name, email, IP address, billing and shipping address, items bought, carrier, tracking and ship date, the refund policy, and any refund already issued. With "Answer a chargeback automatically" switched on, it sends the response to the bank for you before the deadline.
What it means
The account number submitted is not the Cardmember's.
Why customers file it
Keying errors.
Evidence that wins
For every Amex code, a credit that directly offsets the disputed charge is also an accepted response.
- Proof the transaction is excluded (authorized full stripe read, or chip with a transaction certificate)
- A credit
- Optionally an imprint or terminal receipt
How to prevent it
- Avoid manual card entry
For developers
On Stripe the dispute object arrives with reason "general" 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
- Can I resubmit with the right number?
- Yes, by accepting the chargeback and resubmitting, but late submission rules then apply.
- How is P22 different from P01?
- P01 is a number assigned to no one; P22 is the wrong number for this Cardmember.
Sources
Related
- P01 — The card number submitted does not belong to any American Express account.
- P23 — The charge was submitted in a different currency from the one the Cardmember agreed to.
- M01 — The merchant itself told Amex to charge the transaction back, in reply to an inquiry.
- R13 — The merchant did not answer an Amex inquiry in time.
- R03 — The merchant's reply to an Amex inquiry was illegible or incomplete.
- A01 — The amount charged was higher than the amount American Express approved.
- A02 — The charge was submitted although the authorization was declined, reversed or never obtained.