A
American Express Network Decline CodesAmex 111
Invalid Account
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The card issuer is unable to find the card or account number. The account may be closed or the number may be incorrect.
Recommended Action
Ask the customer to verify their card number or contact their issuer. Request an alternative payment method.
Common Causes
- Card number does not match any active account
- Account has been closed
- Card number entered incorrectly
Recovery Tips
- Send a dunning email asking the customer to update their payment method
- Advise the customer to contact American Express to resolve the issue
Quick Reference
Code
111
Category
Hard Decline
Retryable
No
Source
Amex
Recoverability verdict
Retrying 111 will not work
This is a hard decline. Retrying code 111 will not recover the payment. But most merchants seeing this code also have soft declines they are not recovering. Check what your retry strategy is leaving behind.
Related Decline Codes
101Non-Retryable
Expired Card / Invalid Expiration Date
The card has expired or the expiration date provided is invalid.
109Non-Retryable
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.
110Non-Retryable
Invalid Amount
The card issuer has declined the transaction due to a format or amount field error.
115Non-Retryable
Requested Function Not Supported
The card issuer does not support the requested transaction type on this card.