← Reason code checker
Amex P04: Charge Processed as Credit
What it means: The issuer says a refund was processed as a charge, or a charge as a refund (a processing error).
How to respond: Show the transaction was processed correctly, or that the error was already corrected (e.g. a reversing 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
- Processor records of the transaction and any correcting transaction
- If you already refunded: refund ID, date and amount (Stripe shows this on the payment)
- Receipt / invoice showing what was purchased, price, date and the customer's details
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.
Need the response written for you? We prepare a reason-code-specific rebuttal letter and a numbered evidence PDF you upload to Stripe or Shopify.
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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.
DisputeDesk is operated by Avenbridge Technology Limited (Hong Kong). Privacy