Reason code · American Express
Amex P07: late submission
P07 means the charge was approved but submitted to Amex after that approval had expired. It’s a timing error on the merchant side. Your answer is proof you submitted in time, or a refund already processed.
What P07 means
P07 is a timing error. Amex’s guide puts it in one sentence: the charge was authorized but submitted after the authorization expired. The approval was real. It just ran out before the charge reached Amex.
It sits right next to A08, Authorization Approval Expired, which describes almost the same situation as an authorization problem. P07 files it as a processing error.
Who raised it
Often nobody complained about the purchase. P07 is about when your charge arrived, not whether the customer got what they paid for.
Time limit
Processor guides list this code at 120 days from the transaction date, in line with Amex’s general 120-day window for Card Members (Amex’s word for cardholders).
Your side of the clock is short. Amex’s own guide tells merchants to respond within 20 days. If you accept Amex through a processor such as Stripe or Square, the processor sets its own date, often a shorter one. The due date on your notice is the one that counts.
What proof matters
Amex accepts proof the charge was submitted within the required time frame, or proof a refund already offsets it. Your batch or settlement report, showing the approval date next to the date the charge was sent, is the core document.
Seven days goes fast
Amex’s guide tells merchants to submit charges within 7 days of the approval, with exceptions for cruise lines, lodging and vehicle rental. Seven days is easy to miss when work is billed after it’s finished: a card taken at booking and charged when the job wraps up, or a batch that sits unsettled for a while. For goods or services delivered more than 7 days after the order, Amex’s guide says to get an approval at order and again when you ship or perform.
The common mistake
Assuming that because the charge settled, it was on time. A late charge can go through today and come back as P07 later. Amex’s prevention advice is simply to submit within the required authorization time frame.
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