F24 – No Cardmember Authorization

By September 27, 2019American Express, Reason Code

Chargeback Reason Code

F24

Category

Why did I get a chargeback with American Express reason code F24?

The cardholder claims he or she has previously shopped with the merchant but didn’t participate in this particular purchase.

What do I need to fight a chargeback with American Express reason code F24?

Your chargeback response must include at least one of the following items:

  • If you believe the cardholder did participate in the purchase, provide a valid authorization as evidence.
  • If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account.

How can I avoid a chargeback with American Express reason code F24 in the future?

  • Consider using fraud detection tools such as CID and Address Verification Service (AVS).
  • Use pre-sale fraud detection service providers that can help verify the cardholder’s identity, detect potential criminal activity, and reduce the risk of accepting unauthorized transaction.
  • Use a billing descriptor that is easily recognized by the cardholder.
  • Always submit an authorization request, no matter the transaction amount.
  • Create an electronic or manual imprint for every card-present transaction.
  • Use fallback options—like manually entering transaction data—as a last resort.
  • Only use EMV-compliant terminals.
  • Always use the correct cardholder verification method—signature, PIN, etc.
  • Create an electronic or manual imprint for every card-present transaction.

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