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Amex A08: Authorization Approval Expired

What it means: The issuer says the transaction was not properly authorized (no valid authorization was obtained, or the authorization did not match).

How to respond: Provide the authorization record for the exact amount and date, plus any evidence the cardholder took part in the transaction.

Stripe usually labels this dispute as: general (check the reason shown on your dispute — Stripe maps network codes to its own categories).

Evidence checklist

• Authorization record for the transaction (authorization code, date, amount) from the payment details
• AVS (billing address) and CVC check results from the original authorization (visible on the payment in Stripe)
• IP address, device / browser details and timestamps of the order, and how they match the customer's past activity
• Receipt / invoice showing what was purchased, price, date and the customer's details
• Customer communication (emails, chat, support tickets) — especially anything where the customer acknowledges the order or the product

Tips

• Address the specific reason code — a generic letter that argues the wrong issue is a common reason responses fail.
• Submit before the evidence due date shown in your Stripe/Shopify dashboard; most processors allow one submission.
• Keep it factual and concise; label each exhibit.
• If the customer is right, accepting the dispute or refunding may cost less than fighting it.

DisputeDesk provides general information and document preparation help. It is not legal advice, and we do not guarantee any dispute outcome — the card issuer decides. Reason-code names and rules change; always check the dispute details in your Stripe or Shopify dashboard and the card network's current rules.
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