What is this reason code?
American Express code for disputes where services were not rendered. Amex reviewer standards are notoriously high and require clean documentation.
Representment & Winning Strategy
Amex requires clear proof of delivery. A standard response should include the signed agreement, deliverables timestamps, and clear client confirmation that the work was accepted.
Required Evidence Checklist
To successfully reverse this chargeback, you should gather the following evidence. Verdact automates the ingestion of these files and links them to the dispute details:
- ✓Signed agreement detailing delivery timeline and refund constraints.
- ✓Client confirmation email acknowledging the project is complete.
- ✓Usage or delivery records showing client accessed files or software.
- ✓Terms and conditions showing the service scope.
Source: American Express Merchant Operating Guide, US Reason Codes — Cardmember Disputes C08 (Goods/Services Not Received or Only Partially Received). Displayed here as "13-1" to match Verdact's cross-network category grouping; Amex's own code for this dispute type is C08, not 13-1. · As of: edition on file. Card network rules change; verify current terms with the network or your processor before relying on this page to file. Reviewed against Verdact's primary-source rulebook extracts as of July 2026.
Fight this dispute before the network deadline
Connect your Stripe account in test mode to automatically scan your dispute profiles, build a Chain of Intent evidence record, and review the final response packet.
Free during beta. Nothing is filed without you.