A
American Express Network Decline CodesAmex 200
Deny - Pick Up Card
Fraud/Security
Suspected fraudulent activity or security blocks
Do Not Retry
Retry will not succeed
Description
The card issuer has declined the transaction because the card has been reported stolen or lost. Do not retry.
Recommended Action
Do not retry. Flag the transaction for review and request an alternative payment method.
Common Causes
- Card reported stolen by the cardholder
- Card reported lost
- Issuer flagged the card for fraud
Recovery Tips
- Do not attempt further charges on this card
- Review the customer account for signs of unauthorized activity
- Send a dunning email requesting a new payment method
Quick Reference
Code
200
Category
Fraud/Security
Retryable
No
Source
Amex
Recoverability verdict
Retrying 200 will not work
This is a hard decline. Retrying code 200 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.