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Amex Decline Codes

Card-network-level decline codes returned by American Express for transactions processed on the Amex network.

21Total Codes
7Retryable
14Non-Retryable
Category:
Retryable:

Showing 21 of 21 codes

100
Deny
Soft Decline
Retryable

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

3 common causes
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101
Expired Card / Invalid Expiration Date
Hard Decline
Do Not Retry

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

3 common causes
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109
Invalid Merchant
Technical
Do Not Retry

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.

3 common causes
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110
Invalid Amount
Technical
Do Not Retry

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

3 common causes
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111
Invalid Account
Hard Decline
Do Not Retry

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

3 common causes
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115
Requested Function Not Supported
Hard Decline
Do Not Retry

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

3 common causes
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116
Not Sufficient Funds
Soft Decline
Retryable

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

3 common causes
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119
Card Member Not Enrolled
Soft Decline
Retryable

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.

3 common causes
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121
Limit Exceeded
Soft Decline
Retryable

The cardholder has exceeded their card usage frequency limit.

3 common causes
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122
Invalid Card Security Code (CID)
Hard Decline
Do Not Retry

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

2 common causes
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130
Additional Customer Identification Required
Soft Decline
Retryable

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

3 common causes
View details
181
Format Error
Technical
Do Not Retry

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

3 common causes
View details
183
Invalid Currency Code
Technical
Do Not Retry

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

3 common causes
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187
Deny - New Card Issued
Hard Decline
Do Not Retry

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.

2 common causes
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189
Deny - Canceled or Closed Merchant
Technical
Do Not Retry

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

3 common causes
View details
190
National ID Mismatch
Hard Decline
Do Not Retry

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

3 common causes
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200
Deny - Pick Up Card
Fraud/Security
Do Not Retry

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

3 common causes
View details
909
System Malfunction (Cryptographic Error)
Technical
Retryable

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

3 common causes
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912
Issuer Not Available
Technical
Retryable

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

3 common causes
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977
Invalid Payment Plan
Hard Decline
Do Not Retry

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

3 common causes
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978
Invalid Payment Times
Hard Decline
Do Not Retry

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

3 common causes
View details

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