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.