A
American Express Network Decline CodesAmex 190
National ID Mismatch
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The card issuer has declined the transaction because identity verification of the cardholder has failed.
Recommended Action
Ask the customer to verify the identity details submitted match their records with American Express.
Common Causes
- National ID or identity details do not match issuer records
- Identity verification check failed
- Incorrect personal information submitted
Recovery Tips
- Ask the customer to verify their personal details are correct
- Advise the customer to contact American Express to update their records
Quick Reference
Code
190
Category
Hard Decline
Retryable
No
Source
Amex
Recoverability verdict
Retrying 190 will not work
This is a hard decline. Retrying code 190 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.
111Non-Retryable
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.