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A chargeback filed under Amex's fraud full-recourse program, typically tied to elevated merchant fraud levels.
Amex's fraud program flags merchants whose fraud levels cross a threshold, and disputes under this program carry full recourse to the merchant.
Like Visa's 10.5, repeated instances signal an account-level fraud-rate problem, not just one bad order.
Standard card-not-present fraud evidence, plus your own fraud-prevention documentation.
Submit standard fraud evidence per transaction and review your account's fraud ratio with Amex/your processor.
Treating each occurrence as isolated instead of addressing the underlying fraud rate.
Tighten fraud screening to bring your overall fraud rate below the program's threshold.
Flat monthly fee, keep 100% of what you win.
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