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SchemeLens

Scheme code system · American Express

Secondary source

100

Deny

The issuer or processor declined without a more specific actionable reason.

Outcome
Declined
Code system
American Express
Raw format
Two- or three-character raw response code

Operational context

No universal retry instruction encoded

American Express wording mapped to the SchemeLens “Generic decline” concept.

Use the current scheme, provider, transaction, and advice-code rules; the raw response value alone may be insufficient for a retry decision.

Explicit mapping

SchemeLens concepts

These links are editorial mappings, not replacements for the raw source value. The relation shows how closely the wording aligns.

Normalized concepts mapped to American Express response code 100
ConceptRelationMapping note
Generic declineDirect semantic matchAmerican Express wording mapped to the SchemeLens “Generic decline” concept.

Namespace check

The same raw value exists elsewhere

Provenance

Sources used for this record

  • Worldpay: Raw response codesOfficial for Worldpay raw-response behaviour; secondary evidence for the underlying scheme definition.
    Live provider reference, verified 27 July 2026

SchemeLens keeps source wording, normalized concepts, and operational guidance separate so later evidence can be added without rewriting the raw record.