American Express Chargeback Reason Code
American Express Reason Code C05: Goods/Services Cancelled
Category Merchandise or ServicesBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What American Express Reason Code C05 Means
American Express reason code C05 applies when the Cardmember cancelled an order for goods or services but was still charged, or was not credited after a valid cancellation. The dispute centers on a cancellation that the merchant did not honor.
Why This Chargeback Happens
This dispute commonly occurs when a cancellation request is not processed, when an order ships despite cancellation, or when cancellation terms are unclear. It may also arise when the Cardmember believes a booking or order was cancelled within an allowed window.
What the Cardholder or Issuer Is Claiming
The Cardmember is claiming they cancelled the goods or services and should not have been charged or should have received a credit.
What Merchants Should Review
Review the cancellation request, its timing, and your cancellation policy. Confirm whether the cancellation was valid under your terms, whether fulfillment continued, and whether any credit was issued.
Recommended Chargeback Evidence
- Cancellation policy disclosed and accepted at purchase
- Records of the cancellation request and its timing
- Proof of fulfillment before a valid cancellation, if applicable
- Evidence of any credit already issued after cancellation
How to Prevent Similar Disputes
Merchants may reduce these disputes by clearly disclosing cancellation terms, confirming cancellations in writing, and halting fulfillment when a valid cancellation is received. Prompt processing of cancellations helps avoid these disputes.
Important Limitations
This page is educational and reflects common industry usage. American Express dispute rules, timelines, and evidence requirements change over time and vary by market and program. Merchants should confirm current requirements with American Express or their processor before responding to any dispute.
Related Reason Codes
Sources and Review Information
- American Express: American Express Merchant Regulations – U.S.
Last reviewed July 17, 2026
Chargeback rules, evidence requirements, and response options may vary by card network, region, processor, and dispute circumstances.