P03 – Credit Processed as Charge

By September 27, 2019American Express, Reason Code

Chargeback Reason Code


Why did I get a chargeback with American Express reason code P03?

You processed a transaction, but the cardholder claims it should have been a refund.

What do I need to fight a chargeback with American Express reason code P03?

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

  • If the transaction was valid, provide evidence that refutes the cardholder’s claim.
  • 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 P03 in the future?

  • Take care not to accidentally process transactions that should be voided or cancelled
  • Adhere to any promises for credits or refunds.
  • Fulfill all qualified cancellations or refund requests promptly so the credit will appear on the cardholder’s next statement.
  • If you notice a duplicate transaction, issue a credit as soon as possible.
  • Double check all transaction receipts before they are deposited.

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