American Express Chargeback Reason Code
American Express Reason Code P22: Non-Matching Card Number
Category Processing ErrorsBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What American Express Reason Code P22 Means
American Express reason code P22 applies when the Card number on the charge does not match the number on record for the transaction. The dispute results from a mismatch between the submitted and valid Card numbers.
Why This Chargeback Happens
This dispute commonly occurs when a Card number is keyed incorrectly, when digits are transposed, or when a charge references a different account than the one used at purchase.
What the Cardholder or Issuer Is Claiming
American Express is asserting that the Card number submitted does not match the account for the transaction.
What Merchants Should Review
Review the Card number submitted against the number captured at purchase, along with authorization data. Confirm whether a data-entry error caused the mismatch and whether a correction is needed.
Recommended Chargeback Evidence
- Authorization records showing the account number used
- Proof of the Card number captured at purchase
- Transaction data identifying any mismatch
- Documentation of any correction to the account number
How to Prevent Similar Disputes
Merchants may reduce these disputes by validating Card numbers at entry, using electronic capture, and verifying digits before submission. Accurate capture helps prevent non-matching Card-number 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.