Skip to main content

         This documentation site is for previous versions. Visit our new documentation site for current releases.      

American Express

Updated on June 12, 2022

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.

Pega Smart Dispute for Issuers

The list of reason codes supported by Pega Smart Dispute for Issuers in American Express are as following:

Reason codes in American Express

Reason CodeDescription
4516Request for Support Not Fulfilled
4517Request for Support Illegible/Incomplete
4521Invalid Authorization
4507Incorrect Transaction Amount or Primary Account Number (PAN) Presented
4512Multiple Processing
4523Unassigned Cardmember Account Number
4530Currency Discrepancy
4536Late Presentment
4572Credit/Debit Presentment Error
4513Credit Not Presented
4515Paid Through Other Means
4544Cancellation of Recurring Goods/Services
4553Not as Described or Defective Merchandise
4554Goods and Services Not Received
4750Car Rental Charge Non-Qualified or Unsubstantiated
4754Local Regulatory/Legal Dispute
4527Missing Imprint
4534Multiple ROCs
4540Card Not Present
4755No Valid Authorization
4763Fraud Full Recourse
4798Fraud Liability Shift - Counterfeit
4799Fraud 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.

Have a question? Get answers now.

Visit the Support Center to ask questions, engage in discussions, share ideas, and help others.

Did you find this content helpful?

Want to help us improve this content?

We'd prefer it if you saw us at our best. is not optimized for Internet Explorer. For the optimal experience, please use:

Close Deprecation Notice
Contact us