Reference pagesReason codes
Cardmember dispute
American Express C04: Goods/Services returned or refused
An American Express dispute reason code, what it asks you to prove, and what Do The Proof puts in the response.
What this code means
Returned/refused, no credit
What the network says wins it
POC: no return received / policy
- Proof a credit was issued, or that none was due
How the app handles it
Arrives in the app as: Credit not processed
Proof this usually needs
What the app cannot collect for you
Policy acceptance. Your refund and cancellation policies live in your Shopify settings, and our read access does not reach them.
How long you have to respond
- Merchant response
- 20 days from the inquiry or chargeback notice
Where this comes from
- American Express, Merchant Regulations International, 17 April 2026
- Stripe, reason code categories Accessed 8 September 2026.
Other American Express cardmember dispute codes
Do The Proof drafts dispute responses for Shopify stores.
You pay when a dispute is won. Not before.