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Fraud FAQs
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Online Transactions
If an American Express internet merchant processes a fraudulent transaction, is the merchant automatically responsible for the charge?
How does American Express handle fraud cases involving the unauthorized use of a customer's e-wallet by one of their relatives?
Why do I receive one message code for authorization and a separate code for automated address verification?
If you can verify an address, why can't you guarantee a transaction?
Can American Express validate international addresses for its Cards?
Can American Express validate international addresses for other Card issuers?



Online Transactions

Q: If an American Express internet merchant processes a fraudulent transaction, is the merchant automatically responsible for the charge?
A: American Express internet merchants are never held responsible for fraudulent charges. All merchants conducting business on the internet are governed by the parameters of their Card Acceptance Agreement with us. The only internet merchants automatically charged back for all disputed charges are those selling virtual goods, since we can't verify whether the goods/services were actually received.
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Q: How does American Express handle fraud cases involving the unauthorized use of a customer's e-wallet by one of their relatives?
A: We speak with our Cardmembers to discuss every disputed charge in detail. We also research Cardmember spending patterns to help identify whether claims are legitimate. We do not accept every disputed charge as fraud.
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Q: Why do I receive one message code for authorization and a separate code for automated address verification?
A: We use two codes an authorization code and a match response for address verification to provide merchants with more information to help them evaluate risk and decide whether or not to accept a sale.
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Q: If you can verify an address, why can't you guarantee a transaction?
A: Because it is possible that merchants may not be shipping goods to the billing address.
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Q: Can American Express validate international addresses for its Cards?
A: American Express can validate international addresses during the authorization process.
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Q: Can American Express validate international addresses for other Card issuers?
A: American Express is not currently able to validate international addresses for other Card issuers.
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