Amex Decline Codes

The transaction has been declined by the card issuer for policy reasons. No specific reason is provided.

The card has expired or the expiration date provided is invalid.

The American Express network does not recognise the merchant with the submitted transaction details. This needs to be investigated by the acquirer or payment service provider.

The card issuer has declined the transaction due to a format or amount field error.

The card issuer is unable to find the card or account number. The account may be closed or the number may be incorrect.

The card issuer does not support the requested transaction type on this card.

The cardholder's account does not have sufficient funds to complete the transaction.

The card issuer has declined the transaction because the requested service is not enabled for the cardholder. This can apply to 3DS authentication or address verification requests.

The cardholder has exceeded their card usage frequency limit.

The card security code (CID — the 4-digit code on the front of the card) is incorrect.

The card issuer has soft-declined the transaction and is requesting additional authentication from the cardholder.

The card issuer declined the transaction due to format problems with the submitted transaction information.

The transaction currency is not supported by the American Express network.

The card issuer has declined the transaction because the current card has been replaced with a new one. The old card number is no longer valid.

The American Express network has closed or canceled the merchant identifier. The transaction cannot be processed.

The card issuer has declined the transaction because identity verification of the cardholder has failed.

The card issuer has declined the transaction because the card has been reported stolen or lost. Do not retry.

The transaction has been declined due to processing errors with the security code or authentication data.

The card issuer is not available to authorize the transaction. This is a temporary system issue.

The card issuer has declined the recurring transaction due to an invalid payment frequency or amount.

The card issuer has declined the recurring transaction due to an invalid payment frequency or timing.