ChargebackKit
American ExpressFraudUpdated June 2026

American Express Reason Code F31: EMV Lost / Stolen / Non-Received Fraud

The cardholder denies a card-present transaction made with a lost, stolen, or never-received chip card that was not properly processed via the EMV chip.

Respond within ~20 days
Winnable with strong evidence

Your strongest argument

The chip was read and PIN-verified at an EMV-certified terminal, so liability for lost/stolen-card fraud did not shift to the merchant.

Evidence that wins a American Express F31 dispute

  • Proof the terminal was EMV chip-and-PIN certified and the chip was read
  • PIN verification record for the transaction
  • Authorization and settlement records

Ordered strongest first — lead your rebuttal with the items at the top.

Source: American Express Merchant Reference Guide and Dispute (Chargeback) documentation. The American Express rulebook defines this code and its dispute framework; the issuer decides every dispute and sets the exact deadline shown in your processor dashboard.

Not sure you have enough to win?

Run a free 60-second readiness check for American Express F31. Answer a few yes/no questions and get a 0–100 score, a green/amber/red evidence checklist, and your exact response deadline — no signup.

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How processors label this dispute

ProcessorWhat you'll see
Stripereason: fraudulent

Where to pull this evidence

Prove the genuine cardholder made and benefited from the purchase. Authentication data wins these. Here's exactly where the relevant records live in each processor dashboard — gather them free before you build your pack.

Stripe

Dashboard → Payments → Disputes (or the email alert from Stripe).

  • AVS & CVC check results: Open the original payment → Payment details → "Checks" (CVC, ZIP, address).
  • Customer email, IP, and device: Payment → Customer section and the "Risk insights" / Radar panel.
  • Receipt / order confirmation: Payment → "Send receipt" or your order-management system; export the PDF.
  • Refund history & reference IDs: Payment → Timeline shows any refunds with their re_… reference IDs.

Shopify Payments

Shopify admin → Orders → the flagged order → "Chargeback" banner, or Settings → Payments → Manage disputes.

  • Order & fulfillment details: Orders → the order → Fulfillment + Timeline (shows when items shipped).
  • Tracking number & carrier: Orders → Fulfillment → tracking; confirm "Delivered" status with the carrier.
  • Customer info & IP: Order → Customer section; Order → Additional details / fraud analysis for IP and AVS/CVV.
  • Fraud analysis (AVS/CVV/risk): Order → "Fraud analysis" panel shows AVS, CVV, and Shopify’s risk indicators.

Square

Square Dashboard → Disputes (or Balance → Disputes), or the email from Square.

  • Transaction & receipt: Transactions → the payment → receipt; "Resend receipt" for a copy.
  • Card-present / chip details: Transaction detail shows entry method (chip, tap, keyed) — chip reads support card-present disputes.
  • Customer details: Customer Directory → the customer; or the transaction’s customer section.
  • Itemization & amount: Transaction → itemized breakdown to rebut "incorrect amount" claims.

PayPal

PayPal → Resolution Center → the open case (Dispute, Claim, or Chargeback).

  • Transaction details & ID: Activity → the transaction → details; note the Transaction ID.
  • Proof of delivery / tracking: Resolution Center → "Respond" → add tracking number + carrier (PayPal validates delivery).
  • Proof of shipment / service: Resolution Center evidence upload: invoice, shipment receipt, or service-completion proof.
  • Buyer communication: Resolution Center message thread + your own email records with the buyer.

Build a submission-ready American Express F31 response

ChargebackKit assembles your evidence into a formatted, labeled rebuttal pack with the exhibits and response letter card networks expect — pre-mapped to Fraudulent / Unauthorized disputes.

Build your evidence pack — $19

Or run the free readiness check first.

Frequently asked questions

What is American Express reason code F31?↓
Amex F31 ("EMV Lost/Stolen/Non-Received Fraud") is filed when a cardholder denies a card-present transaction made with a lost, stolen, or never-received chip card that was not properly processed via EMV.
How do I win an F31?↓
Provide records that the terminal was EMV chip-and-PIN certified, the chip was read, and PIN verification was performed.
How is F31 different from F30?↓
F31 covers lost, stolen, or never-received chip-card fraud; F30 covers counterfeit chip-card fraud. Both require proof the EMV chip was properly processed.

Where to go next

Build the pack for Fraudulent / Unauthorized disputes, or dig into the matching guide, template, and processor evidence requirements.

Build the pack for this dispute

Updated June 2026. This code’s meaning and evidence requirements are sourced from the American Express Merchant Reference Guide and Dispute (Chargeback) documentation and may change as American Express revises its rules; always check your processor dashboard for the exact deadline and label on your dispute. The issuer decides every dispute — there is no guaranteed outcome.