American Express Chargeback Reason Code
American Express Reason Code C14: Paid by Other Means
Category Processing ErrorsBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What American Express Reason Code C14 Means
American Express reason code C14 applies when the Cardmember paid for the same purchase using another payment method, but the American Express charge was also submitted. The dispute focuses on a duplicate payment through a different means.
Why This Chargeback Happens
This dispute commonly occurs when a customer pays with cash, check, or another card and the Card charge is still processed, or when a terminal captures a transaction twice through different methods. Split-payment confusion can also contribute.
What the Cardholder or Issuer Is Claiming
The Cardmember is claiming the purchase was already paid by another method and should not have been charged to their Card.
What Merchants Should Review
Review payment records for the transaction and any alternate payment the Cardmember references. Confirm whether the same purchase was settled twice and whether any credit is owed for the duplicate.
Recommended Chargeback Evidence
- Records showing the Card charge relates to a separate purchase
- Receipts distinguishing the Card charge from other payments
- Proof of any credit already issued for a duplicate payment
- Transaction logs identifying the payment methods used
How to Prevent Similar Disputes
Merchants may reduce these disputes by reconciling payments carefully, voiding one charge when a customer switches payment methods, and training staff to avoid capturing the same sale twice. Clear receipts help distinguish separate charges.
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.