{"id":26655,"date":"2024-08-06T11:55:42","date_gmt":"2024-08-06T19:55:42","guid":{"rendered":"https:\/\/trc-parus.ru\/?p=26655"},"modified":"2024-08-06T11:55:43","modified_gmt":"2024-08-06T19:55:43","slug":"how-merchants-can-manage-amex-chargebacks","status":"publish","type":"post","link":"https:\/\/trc-parus.ru\/blog\/how-merchants-can-manage-amex-chargebacks\/","title":{"rendered":"How Merchants Can Manage AMEX Chargebacks"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"26655\" class=\"elementor elementor-26655\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b604d26 e-flex e-con-boxed e-con e-parent\" data-id=\"b604d26\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cea736d elementor-widget elementor-widget-text-editor\" data-id=\"cea736d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>American Express, the 3rd largest <a href=\"https:\/\/trc-parus.ru\/blog\/what-are-credit-card-networks\/\">credit card network<\/a> in the US market, has over 133 million active cards worldwide and an average spend of $23,500 per card member annually.\u00a0<\/p><p>Properly managing AMEX chargebacks is essential for merchants to minimize losses and maintain a strong relationship with American Express. This guide covers statistics and the nuances of AMEX chargebacks and offers strategies manage them.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0743ff elementor-widget elementor-widget-heading\" data-id=\"a0743ff\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">An Overview of AMEX Chargebacks<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e39365 elementor-widget elementor-widget-text-editor\" data-id=\"8e39365\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AMEX <a href=\"https:\/\/trc-parus.ru\/blog\/what-is-a-chargeback-in-payment-processing\/\">chargebacks<\/a> differ from those of other card networks due to American Express&#8217;s unique role as both an issuing bank and, in some cases, an acquirer. This dual role means that AMEX chargebacks involve direct interaction with American Express, unlike chargebacks from Visa or Mastercard, which typically involve third-party issuers, called <a href=\"https:\/\/trc-parus.ru\/blog\/what-is-an-issuing-bank-in-payments\/\">issuing banks<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50ee8ed elementor-widget elementor-widget-heading\" data-id=\"50ee8ed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Statistics on AMEX Chargebacks<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-673e181 elementor-widget elementor-widget-text-editor\" data-id=\"673e181\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Chargebacks are a significant concern for merchants, as they lead to financial losses and strain relationships with payment processors.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a7c0a8 elementor-widget elementor-widget-heading\" data-id=\"2a7c0a8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Chargeback Frequency<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d4e4e8 elementor-widget elementor-widget-text-editor\" data-id=\"7d4e4e8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>American Express has a unique position in the market due to its dual role as a card issuer and network, which affects its chargeback dynamics. According to a report by the Nilson Report, AMEX chargebacks occur at a rate of approximately 0.65% of total transactions, which is lower than the average rate for Visa and Mastercard, both of which have a chargeback rate of about 0.75%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-326dbaf elementor-widget elementor-widget-heading\" data-id=\"326dbaf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Win Rates<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd21af4 elementor-widget elementor-widget-text-editor\" data-id=\"fd21af4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Merchants&#8217; success in disputing chargebacks varies across different card networks. For AMEX chargebacks, merchants have a win rate of around 28%, which is lower compared to Visa and Mastercard, where the win rates are approximately 35% and 33%, respectively. This lower win rate can be attributed to AMEX&#8217;s stringent review process and its role as both the issuer and network.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48a0454 elementor-widget elementor-widget-heading\" data-id=\"48a0454\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Reason Codes<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7290289 elementor-widget elementor-widget-text-editor\" data-id=\"7290289\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The most <a href=\"https:\/\/trc-parus.ru\/blog\/most-common-reasons-for-chargebacks\/\">common chargeback reason codes<\/a> for AMEX chargebacks include:<\/p><ul><li><strong>Authorization Issues:<\/strong>\u00a0Accounting for 23% of AMEX chargebacks, these occur when transactions are processed without proper authorization.<\/li><li><strong>Fraud:<\/strong>\u00a0Representing 30% of chargebacks, these involve unauthorized or fraudulent transactions.<\/li><li><strong>Product or Service Issues:<\/strong>\u00a0Comprising 20% of chargebacks, these disputes arise from issues with the quality or delivery of products or services.<\/li><li><strong>Processing Errors:<\/strong>\u00a0Making up 15% of chargebacks, these involve errors such as incorrect amounts or duplicate charges.<\/li><\/ul><p>In comparison, Visa and Mastercard also see a high incidence of fraud-related chargebacks, but the distribution of reason codes varies slightly, with a higher percentage of disputes related to processing errors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93b33aa elementor-widget elementor-widget-heading\" data-id=\"93b33aa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Financial Impact<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca71331 elementor-widget elementor-widget-text-editor\" data-id=\"ca71331\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tThe financial impact of chargebacks is significant for all card networks. For AMEX, the average chargeback amount is around $200, slightly higher than Visa and Mastercard, which average around $180 and $175, respectively. This difference can be attributed to AMEX&#8217;s higher average transaction values, as AMEX cardholders tend to spend more per transaction.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb782ab elementor-widget elementor-widget-heading\" data-id=\"eb782ab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">AMEX Chargeback Comparison with Visa and Mastercard<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81e6a31 elementor-widget elementor-widget-text-editor\" data-id=\"81e6a31\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tWhen comparing AMEX chargebacks to those of Visa and Mastercard, several key differences emerge:\n<ol>\n \t<li><strong>Chargeback Rates:<\/strong> AMEX has a slightly lower chargeback rate (0.65%) compared to Visa and Mastercard (0.75%).<\/li>\n \t<li><strong>Merchant Win Rates:<\/strong> AMEX has a lower merchant win rate (28%) compared to Visa (35%) and Mastercard (33%).<\/li>\n \t<li><strong>Average Chargeback Amount:<\/strong> AMEX chargebacks involve higher average amounts ($200) than Visa ($180) and Mastercard ($175).<\/li>\n \t<li><strong>Resolution Time:<\/strong> AMEX takes longer to resolve chargebacks (45 days) compared to Visa and Mastercard (30-35 days).<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9e2c0e elementor-widget elementor-widget-heading\" data-id=\"c9e2c0e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The AMEX Chargeback Process<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d02eeac elementor-widget elementor-widget-text-editor\" data-id=\"d02eeac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The chargeback process begins when a card member disputes a transaction by contacting AMEX. The typical steps are as follows:<\/p><ol><li><p><strong>Initial Review:<\/strong>\u00a0An AMEX agent reviews the card member&#8217;s claim. The claim may be dismissed if the charge is deemed valid, or a chargeback may be initiated if the claim is found legitimate. Alternatively, a merchant inquiry may be sent, requesting additional information.<\/p><\/li><li><p><strong>Merchant Inquiry Responses:<\/strong>\u00a0Merchants have several options when responding to an inquiry:<\/p><ul><li>Accept the chargeback.<\/li><li>Issue a credit or refund.<\/li><li>Provide evidence of a previous credit.<\/li><li>Submit sufficient evidence to validate the original transaction.<\/li><\/ul><\/li><\/ol><p>Ignoring an inquiry is highly discouraged as it can result in an automatic chargeback and damage the merchant&#8217;s reputation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1a6bf5 elementor-widget elementor-widget-heading\" data-id=\"c1a6bf5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Time Limits for AMEX Chargebacks<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1a1c06 elementor-widget elementor-widget-text-editor\" data-id=\"f1a1c06\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Each card network has its own specific timeframes for both cardholders and merchants, and these differences can significantly impact how merchants handle chargebacks.<\/p><p>For American Express (AMEX), card members typically have up to 120 days from the transaction date to file a chargeback. This period may be extended at AMEX&#8217;s discretion in certain situations, such as disputes involving delayed delivery or services rendered over a longer period. Once a chargeback is initiated, merchants have a relatively short period of 20 days from the Central Site Business Date (the date AMEX processes the chargeback) to respond and contest the chargeback. This brief window requires merchants to act swiftly and efficiently to gather evidence and submit their rebuttal.<\/p><p>In comparison, Visa cardholders also have 120 days from the transaction date to initiate a chargeback, with possible extensions for specific circumstances like travel services or pre-ordered items. However, Visa provides merchants with a longer response period of 30 days to address the chargeback dispute. This extended timeframe compared to AMEX gives merchants more time to collect and present evidence to support their case.<\/p><p>Mastercard follows a similar pattern, allowing cardholders 120 days from the transaction date to file a chargeback, with potential extensions for future delivery or services. Mastercard offers merchants the most extended response period of the three networks, providing 45 days to respond to a chargeback. This generous timeframe allows merchants additional time to prepare a comprehensive response and gather necessary documentation.<\/p><p>The key differences lie in the merchant response periods. While AMEX provides the shortest timeframe of 20 days, Visa offers a moderate 30-day period, and Mastercard provides the longest at 45 days. These variations significantly impact how merchants prioritize and manage their chargeback responses. Merchants dealing with AMEX disputes need to be particularly prompt, reviewing chargeback notifications immediately and maintaining organized transaction records to streamline the response process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34b0082 elementor-widget elementor-widget-heading\" data-id=\"34b0082\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AMEX Chargeback Reason Codes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2cc2a4 elementor-widget elementor-widget-text-editor\" data-id=\"f2cc2a4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tEach chargeback includes a reason code that explains the cause of the dispute. These codes help merchants understand the specific issues raised by card members. Common AMEX reason codes include:\n<ul>\n \t<li><strong>Authorization Issues:<\/strong>\u00a0Transactions processed without proper authorization.<\/li>\n \t<li><strong>Fraud:<\/strong>\u00a0Unauthorized or fraudulent transactions.<\/li>\n \t<li><strong>Product or Service Issues:<\/strong>\u00a0Disputes over the quality or delivery of products or services.<\/li>\n \t<li><strong>Processing Errors:<\/strong>\u00a0Errors in processing the transaction, such as incorrect amounts or duplicate charges.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea2fd1 elementor-widget elementor-widget-heading\" data-id=\"4ea2fd1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The American Express Dispute Center<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9775a00 elementor-widget elementor-widget-text-editor\" data-id=\"9775a00\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The AMEX Dispute Center provides a transparent platform for resolving disputes. This online portal allows card members to report unauthorized transactions, open billing disputes, check dispute statuses, and cancel disputes.\u00a0<\/p><p>The Dispute Center also facilitates communication between merchants and card members, promoting faster and fairer resolutions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8023300 elementor-widget elementor-widget-heading\" data-id=\"8023300\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SafeKey: Enhancing Security<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3875811 elementor-widget elementor-widget-text-editor\" data-id=\"3875811\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>American Express SafeKey is a <a href=\"https:\/\/trc-parus.ru\/blog\/what-is-3d-secure-in-payment-processing\/\">3D Secure<\/a> service that uses real-time authentication to verify card users before processing transactions. SafeKey helps reduce fraud by detecting stolen cards and unauthorized users.\u00a0<\/p><p>According to AMEX, SafeKey 2.0 enhances the exchange of detailed information between merchants and issuers, reducing the need for one-time passcodes and minimizing checkout friction.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4dade1 elementor-widget elementor-widget-heading\" data-id=\"f4dade1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Steps for Merchants to Manage AMEX Chargebacks<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9d39db elementor-widget elementor-widget-text-editor\" data-id=\"c9d39db\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Here is a high level overview of the steps for merchants to manage AMEX chargebacks:<\/p><ol><li><p><strong>Review Chargeback Notifications:<\/strong>\u00a0Carefully review all documentation provided in the chargeback notification before taking any action.<\/p><\/li><li><p><strong>Understand the Reason:<\/strong>\u00a0Identify the specific reason for the chargeback and tailor your response to address this issue.<\/p><\/li><li><p><strong>Gather Supporting Documentation:<\/strong>\u00a0Collect all relevant documentation, such as sales receipts, invoices, and shipping records.<\/p><\/li><li><p><strong>Prepare a Detailed Response:<\/strong>\u00a0Write a concise but comprehensive response letter, including all evidence to support your case.<\/p><\/li><li><p><strong>Submit the Response Promptly:<\/strong>\u00a0Ensure your response is submitted within the required timeframe to avoid automatic loss of the dispute.<\/p><\/li><li><p><strong>Maintain Open Communication:<\/strong>\u00a0Keep respectful communication channels open with the cardholder to address their concerns and potentially resolve the issue outside the chargeback process.<\/p><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9feb57e elementor-widget elementor-widget-heading\" data-id=\"9feb57e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Preventing AMEX Chargebacks<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15ce11d elementor-widget elementor-widget-text-editor\" data-id=\"15ce11d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/trc-parus.ru\/blog\/the-8-things-you-can-do-to-reduce-chargebacks\/\">Chargeback prevention<\/a> is the most effective strategy for managing chargebacks. Here are some best practices:<\/p><ul><li><strong>Clear Communication:<\/strong>\u00a0Ensure customer service contact information is easily accessible and prominently displayed. Clearly communicate return or exchange policies and other terms of service before checkout.<\/li><li><strong>Verification Measures:<\/strong>\u00a0Always request the Card Identification Number (CID) for card-not-present transactions and use the Automated Address Verification Service (AVS) to validate card member information.<\/li><li><strong>Prompt Processing of Credits:<\/strong>\u00a0Process refunds immediately when necessary and inform card members about the refund timeline. A prompt refund can prevent chargebacks.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>American Express, the 3rd largest credit card network in the US market, has over 133 million active cards worldwide and an average spend of $23,500 per card member annually.\u00a0 Properly managing AMEX chargebacks is essential for merchants to minimize losses and maintain a strong relationship with American Express. This guide covers statistics and the nuances [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":26708,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[31],"tags":[],"class_list":["post-26655","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-how-payments-work"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Merchants Can Manage AMEX Chargebacks - Credit Card Processing and Merchant Account<\/title>\n<meta name=\"description\" content=\"AMEX chargebacks are different than Visa and Mastercard. Here is how merchants can manage AMEX chargebacks in credit card processing.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trc-parus.ru\/blog\/how-merchants-can-manage-amex-chargebacks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Merchants Can Manage AMEX Chargebacks - Credit Card Processing and Merchant Account\" \/>\n<meta property=\"og:description\" content=\"AMEX chargebacks are different than Visa and Mastercard. 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