A
American Express Network Decline CodesAmex 119
Card Member Not Enrolled
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
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.
Recommended Action
Retry without the unsupported service (e.g. without mandatory 3DS), or ask the customer to enroll with their issuer.
Common Causes
- Card not enrolled in 3D Secure
- Address verification not available for this card
- Cardholder has not opted into the requested service
Recovery Tips
- Retry without mandatory 3DS if your risk policy allows
- Advise the customer to contact American Express to enable the service
Quick Reference
Code
119
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.
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.
Amex 119 recovery
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Slicker handles codes like 119 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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