Reference pagesReason codes
Miscellaneous
American Express M01: Chargeback Authorization
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
Merchant-authorized chargeback / rental loss
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. The inventory marks the pairing uncertain.
What the network says wins it
agreement
How Do The Proof handles it
Arrives in Do The Proof as: General
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 miscellaneous codes
Do The Proof drafts dispute responses for Shopify stores. Connect store