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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

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

3 common causes

Expired Card / Invalid Expiration Date

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

3 common causes

Invalid Merchant

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

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

3 common causes

Invalid Account

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

Requested Function Not Supported

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

3 common causes

Not Sufficient Funds

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

3 common causes

Card Member Not Enrolled

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

The cardholder has exceeded their card usage frequency limit.

3 common causes

Invalid Card Security Code (CID)

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

2 common causes

Additional Customer Identification Required

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

3 common causes

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

3 common causes

Invalid Currency Code

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

3 common causes

Deny - New Card Issued

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 The old card number is no longer valid.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

Deny - Canceled or Closed Merchant

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

3 common causes

National ID Mismatch

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

3 common causes

Deny - Pick Up Card

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

3 common causes

System Malfunction (Cryptographic Error)

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

3 common causes

Issuer Not Available

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

3 common causes

Invalid Payment Plan

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

3 common causes

Invalid Payment Times

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

3 common causes

Other Sources

Automate Amex Payment Recovery

Slicker integrates with Amex to automatically retry failed payments at the optimal time.

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