Amex F24
No cardmember authorisation
The cardmember says they did not authorise the charge. For an online sale the evidence is checkout data: address and card checks, the account used, IP and device, and a delivery address matching the card.
The evidence this code accepts
- 1
AVS and CVV results
Ties the order to the card and the billing address.
- 2
IP address at checkout
Places the buyer in their own session.
- 3
Device ID
Links this order to earlier undisputed ones.
- 4
Customer account or login ID
Shows an established relationship.
- 5
Delivery address against billing address
An identical address is hard to square with unauthorised use.
- 6
Delivery confirmation
Shows the goods went to the cardmember address.
Your refund policy does not carry weight on this code, so we do not ask for it.
Where sellers lose this one
- They send the refund policy, which this code does not read.
Build the pack for Amex F24
7 questions specific to this code, plus the order and the notice. No account. You see the assessment and what is missing before you pay anything.
USD 9.90 a pack when you get it. This prepares your evidence; the card network decides.
Rules checked 2026-09. Sources. Network rules change; if you find this page out of date, tell us and we will correct it.