Amex F24 — No Cardmember Authorization

Network: amex · Code: F24 · Channel: card-absent

Amex disputes card-not-present transactions the cardmember denies. Amex values response speed and a tight narrative.

Required evidence

AVS match result returned at authorization

First-line evidence that the buyer held the billing address.

Amex Chargeback Policy §4.3 — F24
Signed or tracked proof of delivery

Confirms receipt by the cardmember at an address they control.

Amex Chargeback Policy §4.3.2

Recommended evidence

Device + IP fingerprint at checkout

Ties the session to a device the cardmember has used before.

Amex Chargeback Policy §4.3.3
Customer service log with cardmember contact

Pre- or post-sale contact corroborates an authorized purchase.

Amex Chargeback Policy §4.3.4