What is the win rate for Amex F31 disputes?

Industry-observed representment win rate for Amex F31 (EMV Lost/Stolen/Non-Received) averages around 22% when the correct evidence is submitted within the network's response window.

What evidence is required to fight a Amex F31 chargeback?

To dispute Amex F31, acquirers typically require: Chip+PIN records.

Amex · F31Fraud22% industry win rate

EMV Lost/Stolen/Non-Received

Lost/stolen card at non-EMV terminal.

Required evidence

Chip+PIN records

Playbook

Prove chip authentication used.

Amavest auto-bundles this

When a dispute hits your Stripe account with code F31, Amavest pulls the evidence above, drafts the response, and submits it before the deadline.

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Related fraud codes

Visa · 10.4
Other Fraud – Card-Absent Environment
Mastercard · 4837
No Cardholder Authorization
Mastercard · 4863
Cardholder Does Not Recognize
Amex · F14
Missing Signature

Frequently asked questions

What does Amex chargeback reason code F31 mean?: Lost/stolen card at non-EMV terminal.
What is the win rate for Amex F31 disputes?: Industry-observed representment win rate for Amex F31 (EMV Lost/Stolen/Non-Received) averages around 22% when the correct evidence is submitted within the network's response window.
What evidence is required to fight a Amex F31 chargeback?: To dispute Amex F31, acquirers typically require: Chip+PIN records.
How should a merchant respond to a Amex F31 dispute?: Prove chip authentication used.