Reference pagesReason codes
Fraud
American Express FR4: Immediate Chargeback Program
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
Program chargebacks, no inquiry
The inventory records this row as coming from Stripe's map and Chargeflow rather than from the excerpt of Amex's own Regulations it read.
What the network says wins it
Transaction records
How Do The Proof handles it
Arrives in Do The Proof as: Fraudulent
Proof this usually needs
- Customer email
- Billing address
- Shipping address
- Tracking number
- Delivery confirmation
- Customer name
- Checkout IP
- Access activity
What the app cannot collect for you
Access activity. If you have login, download or usage records for this customer, add them to your dispute response. Records like these live on your own systems rather than in Shopify, so they have to come from you.
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
- Stripe, reason code categories Read 2026-09-08.
- Chargeflow, American Express reason codes Read 2026-09-08.
Other American Express fraud codes
Do The Proof drafts dispute responses for Shopify stores. Connect store