American Express Reason Code A02

What is

American Express Reason Code A02

?

The transaction was settled without ever obtaining a valid authorization.

Why this happens

A charge was captured without a corresponding, approved authorization request.

What this means for each merchant

Usually a processing/integration bug rather than something caused by your storefront's customer experience.

Evidence that typicalls wins this

Gateway logs showing authorization status for the transaction.

How to fight it

Submit proof of a valid authorization, or escalate to your processor if none exists.

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Common mistakes

Allowing capture flows that can settle a charge without a confirmed prior authorization.

How to prevent it

Audit your checkout flow to ensure capture always requires a confirmed authorization.

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