American Express · Chargeback reason codes
American Express P23 chargeback: Currency Discrepancy explained
Checked
American Express reason code P23, Currency Discrepancy, means the charge was submitted in a currency different from the one agreed with the Cardmember. The chargeback is for the full amount, and the only response the Merchant Rules list is a credit. Charging in the currency shown at checkout prevents it.
- 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
- A credit; the rules list no other response
- Can it be prevented?
- Yes: charge in the currency shown at checkout
- Who usually wins
- The Cardmember; only a credit answers it
What PlatformDTC does
PlatformDTC checkout charges in the same store currency the shopper sees on the order. 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 currency on the charge differs from the agreed currency, and Amex charges back the full amount.
Why customers file it
A store showing one currency and charging another.
Evidence that wins
The American Express Merchant Rules list only a credit as the response to P23.
- A credit offsetting the charge
How to prevent it
- Charge in the currency displayed at checkout
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 win a P23?
- The Merchant Rules list only a credit as the response.
- Is P23 for the full amount?
- Yes, the full charge.
Sources
Related
- P05 — The amount charged differs from the amount on the Cardmember's receipt.
- 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.
- A08 — The charge was submitted more than 7 days after approval, or with a different merchant category code.