American Express reason code
American Express reason code C28: Cancelled Recurring Billing
A subscription charge the Card Member says should have stopped.
Network: American ExpressCategory: Card Member DisputeResponse window: ~20 days
What Amex C28 means
American Express C28 is cancelled recurring billing: a subscription charge the Card Member says should have stopped.
When issuers use it
Amex files C28 when a client disputes a renewal after cancelling, or a recurring charge they say was not authorised to continue.
Mistakes that lose this dispute
- Billing after a valid cancellation was received
- Having no clear, accepted cancellation policy
- Making cancellation hard, which issuers treat unfavourably
FAQ
Frequently asked questions
The customer says they cancelled. Can I still win?
Only if the billed period was before the cancellation took effect, or no valid cancellation was received. Show your cancellation terms and the records of when, or whether, the client cancelled.
How do I prevent recurring chargebacks?
Disclose the billing schedule clearly, send a reminder before each charge, and make cancellation simple. A clean, accepted cancellation policy is your strongest defence.