American Express Reason Code F29

A variant of card-not-present fraud specific to phone, mail, or non-face-to-face order channels.

An order placed by phone, mail, or another non-face-to-face channel is disputed as unauthorized.

Relevant to merchants taking phone/mail orders in addition to web checkout — verification standards still apply.

Order-taking record (call notes, order form), AVS/CVV match if captured, and delivery confirmation.

Taking phone/mail orders without the same verification rigor as online checkout.