P01 – Unassigned Card Number

By September 27, 2019American Express, Reason Code

Chargeback Reason Code


Why did I get a chargeback with American Express reason code P01?

You have processed a transaction using an invalid or otherwise incorrect card number.

Note: You can resubmit the transaction if you can provide the correct card number.

What do I need to fight a chargeback with American Express reason code P01?

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

  • If the card number was correct, provide a copy of the card imprint, a copy of the charge record from the terminal that electronically read the card number, or proof you received an authorization approval.
  • 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 P01 in the future?

  • Always request authorization before completing a transaction.
  • If an authorization request is denied, stop the transaction and ask for an alternate form of payment.
  • Always swipe or dip a card–only use fall-back options in emergency situations.

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