A
American Express Network Decline Codes100
Deny
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The transaction has been declined by the card issuer for policy reasons. No specific reason is provided.
Recommended Action
Ask the customer to try again with a different payment method, or retry after a delay.
Common Causes
- Issuer policy rules triggered
- Generic decline without a more specific reason code
- Temporary restriction on the card
Recovery Tips
- Retry with exponential backoff
- Send a dunning email asking the customer to try a different card or contact Amex
Quick Reference
Code
100
Category
Soft Decline
Retryable
Yes
Source
Amex
Related Decline Codes
116Retryable
Not Sufficient Funds
The cardholder's account does not have sufficient funds to complete the transaction.
119Retryable
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.
121Retryable
Limit Exceeded
The cardholder has exceeded their card usage frequency limit.
130Retryable
Additional Customer Identification Required
The card issuer has soft-declined the transaction and is requesting additional authentication from the cardholder.
Automate Payment Recovery for Amex
Slicker automatically handles decline codes like 100 by intelligently retrying at the optimal time based on the decline reason.