Amex C08 wins on 4-piece evidence stack + on-time submission. Delivery proof, fulfillment records, customer communication, identity continuity — same as Visa 13.1. But Amex compresses the deadline (20 days) and reviewers expect specific formats. Physical-goods C08 with SafeKey-adjacent identity data wins 60–75%; digital-goods C08 wins 35–55% without CE 3.0 equivalent.
What Amex C08 covers
Amex C08 is "Goods/Services Not Received or Only Partially Received." Amex equivalent of Visa 13.1 with partial-receipt sub-category.
Covers:
- Package not delivered in expected window
- Partial shipment (multi-item order)
- Digital goods not provisioned
- Package marked delivered but not found
The partial-receipt aspect is unique — if the cardholder received part but not all, per-item evidence matters.
The 20-day deadline
20 calendar days from chargeback date. Tighter than Visa 13.1 (30 days) and Mastercard 4855 (45 days).
Merchants running mixed-network operations often miss Amex deadlines. Every dispute needs its own due-date field; sort by absolute deadline not average.
Evidence stack
For C08 representment:
- Delivery proof (all items) — tracking for EVERY item in the order. Partial-receipt claims require per-item detail.
- Fulfillment timeline — when each item was shipped, with timestamps.
- Customer communication — shipping/delivery notifications, any post-delivery contact.
- Identity data — prior transactions from same cardholder (persuasive, not binding).
3-sentence cover: "Cardholder [name], order #[X], placed [date]. All items shipped [dates] via [carriers] to AVS-verified address, tracking numbers [X], [Y], [Z] all show delivered on [date] (proofs attached). No non-receipt occurred."
Win rates:
- Full delivery proof (all items): 60–75%
- Digital goods + access logs: 35–55%
Frequently asked questions
What is Amex C08?
"Goods/Services Not Received or Only Partially Received." Amex equivalent of Visa 13.1.
What's the deadline?
20 calendar days — tighter than Visa (30) or Mastercard (45).
Does CE 3.0 apply to Amex C08?
No. Amex has no CE 3.0 equivalent. Prior-transaction data is persuasive but not binding on Amex reviewers.
Post reflects public documentation, industry surveys, and Aurai's own book of disputes as of the publish date. Visa, Mastercard, American Express, Discover, Stripe, PayPal, and Shopify are trademarks of their respective owners; Aurai is independent and not endorsed by any of them. Network rules change — always verify current official rules before acting on any specific tactic.