101

Expired card / invalid expiration date

The card is expired or the expiry data is missing or invalid in context.

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 “Expired card” 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 101
Concept	Relation	Mapping note
Expired card	Direct semantic match	American Express wording mapped to the SchemeLens “Expired card” concept.

Namespace check

The same raw value exists elsewhere

DECTA Gate 101Decline, expired card

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.