These are the most common raw responses from American Express for refused or cancelled transactions.
The transaction was cancelled after being initially approved by the issuer. This can be due to various reasons, for example, if the shopper returns goods after purchase.
001: Approve with ID
The transaction was cancelled after the issuer requested that identification be established through telephone contact between the acquiring center's authoriser and the merchant.
002: Prepaid Card Partial Authorization
Transaction was cancelled. Some card issuers support partial-approval authorization. This approves a part of the requested transaction, leaving the remainder to be paid with another form of tender.
This is a generic refusal that can have several possible reasons. Shopper should contact their issuing bank for clarification.
101: Expired Card / Invalid Expiration Date
The card expiration date is in the past. The shopper should correct the date or use another payment method.
106: PIN tries exceeded
The shopper has entered an incorrect PIN more times than is allowed by the issuing bank. The shopper should retry or use another payment method.
109: Invalid Service Establishment
The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method.
110: Invalid amount
The transaction amount was specified in an invalid format. For example, an invalid character such as a dollar sign or a space was used. The shopper should correct or use another payment method.
111: Invalid account
The card issuer is unable to validate the card/account number, possibly because an invalid character was used.
115: Requested function not supported
The card issuer does not allow this type of transaction on this card/account.
117: Incorrect PIN
The shopper entered an invalid PIN. The shopper should retry or use another payment method.
119: Transaction not permitted to Cardmember
The card issuer doesn't permit the transaction on this card/account. The shopper can use another payment method.