American Express Payment Decline Code
American Express Decline Code 115: Requested Function Not Supported
Category Transaction RestrictionsRetry Guidance Conditional Decline (Editorial Classification)By Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What American Express Decline Code 115 Means
American Express declined the transaction because the function or transaction type requested is not supported for this account or configuration.
Where the Response May Come From
This response indicates the requested operation is not available, either because of account restrictions or a processing configuration that does not support it.
Common Reasons for This Response
Common causes include an unsupported transaction type, a function not enabled for the merchant, or an account that does not permit the requested operation.
Should the Merchant Retry the Payment?
Retrying the same function will not succeed. A different transaction type or corrected configuration may be required.
Recommended Merchant Action
Confirm with your processor that the requested transaction type is supported for your account and the customer's card.
What to Tell the Customer
Explain the requested transaction type is not available and offer an alternate payment method.
How to Reduce Similar Payment Failures
Aligning supported transaction types with your processing setup may prevent these declines during checkout.
Important Limitations
Decline-code meanings vary by processor, gateway, and payment environment, and American Express does not always disclose the specific reason behind a response. The retry classification on this page is Payment Defender editorial guidance, not an official network rule. Merchants should confirm handling with their processor or gateway.
Related Decline Codes
Sources and Review Information
- American Express: American Express Merchant Regulations
- PayPal Braintree: Braintree Processor Response Codes
Last reviewed July 17, 2026
Raw network-response codes are supplemental to the complete processor or gateway response. Meanings and recommended actions can vary by issuer, processor, gateway, card network, payment method, region, and merchant configuration.