P04 – Charge Processed as Credit

By September 27, 2019American Express, Reason Code

Chargeback Reason Code

P04

Why did I get a chargeback with American Express reason code P04?

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

What do I need to fight a chargeback with American Express reason code P04?

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 transaction to offset the credit, provide documentation for the new charge.

How can I avoid a chargeback with American Express reason code P04 in the future?

  • Take care not to accidentally process transactions that should be voided or cancelled
  • Double check all transaction receipts before they are deposited.

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