American Express Reason Code C02

What is

American Express Reason Code C02

?

The merchant agreed to a refund, but the cardmember says it was never issued.

Why this happens

A promised refund wasn't processed, was delayed, or went to the wrong method.

What this means for each merchant

If the refund wasn't issued, process it immediately; if it was, prove when.

Evidence that typicalls wins this

Refund transaction record with date and amount, or correspondence showing no refund was promised.

How to fight it

Submit the refund record if issued, or process it before responding if it genuinely wasn't.

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Common mistakes

Approving a refund verbally/in chat without immediately processing it.

How to prevent it

Process refunds immediately upon approval and send automatic confirmation emails.

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