Amex · C04Consumer45% industry win rate
Goods/Services Returned or Refused
Cardholder returned merchandise; no refund.
Required evidence
- Return policy
- Return tracking (or absence)
- Restocking terms
Playbook
Prove either no return received or return violated policy.
Amavest auto-bundles this
When a dispute hits your Stripe account with code C04, Amavest pulls the evidence above, drafts the response, and submits it before the deadline.
Related consumer codes
Frequently asked questions
- What does Amex chargeback reason code C04 mean?
- Cardholder returned merchandise; no refund.
- What is the win rate for Amex C04 disputes?
- Industry-observed representment win rate for Amex C04 (Goods/Services Returned or Refused) averages around 45% when the correct evidence is submitted within the network's response window.
- What evidence is required to fight a Amex C04 chargeback?
- To dispute Amex C04, acquirers typically require: Return policy; Return tracking (or absence); Restocking terms.
- How should a merchant respond to a Amex C04 dispute?
- Prove either no return received or return violated policy.