A
American Express Network Decline Codes130
Additional Customer Identification Required
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The card issuer has soft-declined the transaction and is requesting additional authentication from the cardholder.
Recommended Action
Retry with 3D Secure or additional authentication enabled. For off-session payments, ask the customer to authenticate on-session.
Common Causes
- SCA/PSD2 regulation requires Strong Customer Authentication
- Issuer mandates additional identity verification
- Transaction risk level requires step-up authentication
Recovery Tips
- Enable 3D Secure authentication in your payment flow
- For recurring payments, authenticate the card during initial setup
- Send a dunning email asking the customer to complete verification
Quick Reference
Code
130
Category
Soft Decline
Retryable
Yes
Source
Amex
Related Decline Codes
100Retryable
Deny
The transaction has been declined by the card issuer for policy reasons. No specific reason is provided.
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.
Automate Payment Recovery for Amex
Slicker automatically handles decline codes like 130 by intelligently retrying at the optimal time based on the decline reason.