American Express F31
EMV liability shift — lost/stolen/non-received
← All reason codes
What the cardholder is claiming
A lost, stolen or never-received card used where the chip was not read. As with F30 the case is how the card was processed.
The record
- Network
- American Express
- Code
- F31
- Category
- Fraud
- Checked
- 2026-11-06
Defending a F31
Riskopus assembles the evidence this code calls for from your own order, delivery and device data, and files it before the deadline.