American Express Chargeback Reason Code
American Express Reason Code R13: No Reply
Category OtherBy Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What American Express Reason Code R13 Means
American Express reason code R13 applies when a merchant does not reply to an inquiry or documentation request from American Express within the required timeframe. The dispute results from the absence of any response.
Why This Chargeback Happens
This dispute commonly occurs when a merchant misses an inquiry notification, fails to respond within the deadline, or does not have a process to route and answer American Express requests.
What the Cardholder or Issuer Is Claiming
American Express is asserting that the merchant did not reply to its inquiry within the required time.
What Merchants Should Review
Review the inquiry notification, the response deadline, and your internal handling of American Express requests. Confirm whether the notice was received and whether a timely reply can still be submitted.
Recommended Chargeback Evidence
- Records confirming receipt and handling of the inquiry
- Any documentation prepared in response to the request
- Transaction records relevant to the inquiry
- Proof of submission timing for any response
How to Prevent Similar Disputes
Merchants may reduce these disputes by monitoring dispute channels daily, assigning ownership of inquiries, and responding well before deadlines. Reliable notification handling helps prevent no-reply outcomes.
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.