American Express reason code
American Express reason code F24: No Card Member Authorization
The Card Member says they did not participate in or approve the charge.
Network: American ExpressCategory: FraudResponse window: ~20 days
What Amex F24 means
American Express F24 is no Card Member authorization: the Card Member says they did not participate in or approve the charge.
When issuers use it
Amex files F24 when a cardholder denies authorising the transaction.
Mistakes that lose this dispute
- Not capturing AVS and CVV at checkout
- Granting access to unverified details
- Treating 'does not recognize' as automatically lost; a clear billing descriptor often resolves it
FAQ
Frequently asked questions
How do I fight a card-not-present fraud chargeback?
Show the transaction came from the real cardholder: AVS and CVV match, login and device records, and proof they used the service. The more identity evidence, the stronger your case.
The customer says they don't recognize the charge. What now?
Often this is a forgotten purchase. A clear billing descriptor, the purchase record and proof of use usually resolve a does-not-recognize dispute.