American Express reason code
American Express reason code C05: Goods/Services Cancelled
The Card Member cancelled the purchase and disputes the charge.
Network: American ExpressCategory: Card Member DisputeResponse window: ~20 days
What Amex C05 means
American Express C05 is goods or services cancelled: the Card Member cancelled the purchase and disputes the charge.
When issuers use it
Amex raises C05 when a client cancels an order or engagement and believes the charge should have been refunded.
Mistakes that lose this dispute
- Enforcing a non-refundable term you never disclosed
- Having no proof the client accepted the cancellation terms
FAQ
Frequently asked questions
I have a non-refundable deposit. Does that protect me?
Only if the client clearly agreed to it before paying. Show the accepted terms and the work done, and a non-refundable deposit is defensible.
The client cancelled late. Can I keep the fee?
If your accepted terms set a cancellation window or kill fee and the client cancelled outside it, you can represent the charge with those terms and proof of acceptance.