Amex F31
EMV lost, stolen or never received
F31 covers lost, stolen or never-received cards used at a chip-capable terminal. It is a card-present code.
We do not cover this code
This code is for a card-present transaction at a chip terminal. It does not apply to online sales, and we have no evidence rules for it.
Reply to your processor directly with what it asks for. We would rather say that than sell you a document that cannot help.
See the codes we do coverRules checked 2026-09. Sources. Network rules change; if you find this page out of date, tell us and we will correct it.