American Express Reason Code P22

What is

American Express Reason Code P22

?

The card number processed doesn't match the number the cardmember actually used.

Why this happens

A data-entry or system error resulted in the wrong card number being charged.

What this means for each merchant

Usually a processing/integration issue rather than a customer dispute in the typical sense.

Evidence that typicalls wins this

Checkout record of the card number actually captured at time of purchase.

How to fight it

Submit your checkout record proving the correct card number was captured.

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Common mistakes

Manually re-keying card numbers instead of using tokenized processing.

How to prevent it

Use tokenized card processing rather than manual card-number entry.

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