American Express
This release includes the full lifecycle of chargeback processing, including representment and final chargeback, as defined by American Express. Validation rules ensure chargebacks meet American Express dispute rules. Updated questionnaires in Qualify dispute and ancillary questions screens align with American Express’s chargeback guide. Pre-arbitration, arbitration, Pre-compliance, and compliance process are also included in this release.
The list of reason codes supported by Pega Smart Dispute for Issuers in American Express are as following:
Reason codes in American Express
| Reason Code | Description |
| 4516 | Request for Support Not Fulfilled |
| 4517 | Request for Support Illegible/Incomplete |
| 4521 | Invalid Authorization |
| 4507 | Incorrect Transaction Amount or Primary Account Number (PAN) Presented |
| 4512 | Multiple Processing |
| 4523 | Unassigned Cardmember Account Number |
| 4530 | Currency Discrepancy |
| 4536 | Late Presentment |
| 4572 | Credit/Debit Presentment Error |
| 4513 | Credit Not Presented |
| 4515 | Paid Through Other Means |
| 4544 | Cancellation of Recurring Goods/Services |
| 4553 | Not as Described or Defective Merchandise |
| 4554 | Goods and Services Not Received |
| 4750 | Car Rental Charge Non-Qualified or Unsubstantiated |
| 4754 | Local Regulatory/Legal Dispute |
| 4527 | Missing Imprint |
| 4534 | Multiple ROCs |
| 4540 | Card Not Present |
| 4755 | No Valid Authorization |
| 4763 | Fraud Full Recourse |
| 4798 | Fraud Liability Shift - Counterfeit |
| 4799 | Fraud Liability Shift - Lost/Stolen/Non-Received |
For more details on the new American Express updates and Smart Dispute integration capabilities, refer to AMEX Claims Manager overview document on Pega Community.
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