Scheme code system · American Express
Secondary source197
Call AmEx
The response asks for issuer or acquirer referral rather than giving a normal approval.
- 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 “Refer to issuer” 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.
| Concept | Relation | Mapping note |
|---|---|---|
| Refer to issuer | Context-dependent | American Express wording mapped to the SchemeLens “Refer to issuer” concept. |
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.