R03 – Insufficient Reply


Reason Code

R03

Category

Inquiry/Miscellaneous

DESCRIPTION

Why did I receive this chargeback?

American Express sent an inquiry to learn more about the transaction, but you didn’t provide enough information.


FIGHT

What compelling evidence is needed to respond?

If you have already processed a refund for the transaction in question, provide documentation that proves you have credited the cardholder’s account.


PREVENT

How can I avoid this chargeback in the future?

  • Maintain complete and accurate records for each transaction you process.
  • Make sure you can access this information quickly and easily.

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