Reference pagesReason codes
Cardmember dispute
American Express C28: Cancelled recurring billing
A American Express dispute reason code, what it asks you to prove, and what Do The Proof puts in the response.
What this code means
Billed after cancellation
What the network says wins it
POC/POD: policy, usage after
- Proof of delivery, or proof the service was used
- Proof a credit was issued, or that none was due
How Do The Proof handles it
Arrives in Do The Proof as: Subscription canceled
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
There is no pre-arbitration. American Express is both the issuer and the network, and rules after one merchant response; it may then issue a final chargeback.
Merchants in the FR2, FR4 and FR6 programmes get no inquiry at all.
Where this comes from
- American Express, Merchant Regulations International, 17 April 2026 Read 2026-09-08.
- Stripe, reason code categories Read 2026-09-08.
Other American Express cardmember dispute codes
Do The Proof drafts dispute responses for Shopify stores. Connect store