American Express Raw Response
These are the most common raw responses from American Express for refused or cancelled transactions.
Type
Raw Response
Description
Cancelled
000: Approved
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.
Cancelled
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.
Cancelled
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.
Refused
100: Deny
This is a generic refusal that can have several possible reasons. Shopper should contact their issuing bank for clarification.
Refused
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.
Refused
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.
Refused
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.
Refused
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.
Refused
111: Invalid account
The card issuer is unable to validate the card/account number, possibly because an invalid character was used.
Refused
115: Requested function not supported
The card issuer does not allow this type of transaction on this card/account.
Refused
117: Incorrect PIN
The shopper entered an invalid PIN. The shopper should retry or use another payment method.
Refused
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.
Refused
122: Invalid Keyed Printed Card Security Code (PCSC)
The card issuer indicated a security issue with this card. The shopper can use another payment method. Alternatively, the shopper can try again after they resolved the issue with their bank.
Refused
125: Invalid Effective Date on Card
The card expiration date provided is not a valid date format. The shopper should correct or use another payment method.
Refused
130: Additional customer identification required
Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through a 3D Secure transaction, retry with 3D Secure.
Refused
181: Format error
The card issuer does not recognize the transaction details being entered. This is due to a format error. The shopper should check the transaction information and retry.
Refused
183: Invalid Currency Code
The currency code provided doesn't comply with standards.
Refused
187: Deny New Card Issued
The card issuer supplied the cardholder with a new card. The shopper should retry with the new card, or use another payment method
Refused
189: Deny Canceled or Closed Card Acceptor
The merchant has stopped operations or is no longer accepting cards from this card scheme.
Refused
200: Deny pick up Card
The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card.
Refused
900: Advice accepted
The ExpressPay issuer is unable to respond to an ATC Synchronization Authorization Request.
Refused
911: Card Issuer timed out
The issuing bank cannot be contacted. The shopper should retry or use another payment method.
Refused
912: Host unavailable
The issuing bank cannot be contacted. The shopper should retry or use another payment method.
Last modified 1yr ago
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