Reason Code R03 – Insufficient Reply
Why did I receive this chargeback?
American Express sent an inquiry to learn more about the transaction, but you didn’t provide enough information.
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.
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.