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Reason Code R03 - Insufficient Reply

Description

Why did I receive this chargeback?

American Express sent an inquiry to learn more about the transaction, but you didn’t provide enough information.

Fight

What compelling evidence is needed to respond?

If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account.

Prevent

How can I avoid this chargeback in the future?

Maintain complete and accurate records for each transaction you process.
Make sure you can access this information quickly and easily.

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More Amex Reason Codes

Cardmember Disputes

C02 - Credit Not Processed

C04 - Goods / Services Returned or Refused

C05 - Goods / Services Cancelled

C08 - Goods / Services Not Received or Only Partially Received

C14 - Paid By Other Means

C18 - “No Show” or CARDeposit Cancelled

C28 - Cancelled Recurring Billing

C31 - Goods / Services Not As Described

C32 - Goods / Services Damaged Or Defective

Authorization

A01 - Charge Amount Exceeds Authorization Amount

A02 - No Valid Authorization

A08 - Authorization Approval Expired

Fraud

F10 - Missing Imprint

F24 - No Cardmember Authorization

F29 - Card Not Present

F30 - EMV Counterfeit

F31 - EMV Lost / Stolen / Non-Received

Processing Error

P01 - Unassigned Card Number

P03 - Credit Processed as Charge

P04 - Charge Processed As Credit

P05 - Incorrect Charge Amount

P07 - Late Submission

P08 - Duplicate Charge

P22 - Non-Matching Card Number

P23 - Currency Discrepancy

Inquiry/Miscellaneous

M01 - Chargeback Authorization

R03 - Insufficient Reply