American Express Payment Decline Code
American Express Decline Code 187: Deny – New Card Issued
Category Card or Account StatusRetry Guidance Hard Decline (Editorial Classification)By Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What American Express Decline Code 187 Means
American Express declined the transaction because a new card has been issued and the card details submitted are no longer valid.
Where the Response May Come From
This response comes from American Express. The account remains active, but the specific card details on file have been replaced by a newly issued card.
Common Reasons for This Response
Common causes include a reissued card after expiration, replacement of a compromised card, or stored credentials that predate the new card.
Should the Merchant Retry the Payment?
Retrying with the old card details will not succeed. The customer's new card details are required.
Recommended Merchant Action
Ask the customer to provide their new card details. For recurring billing, use an account-updater service to refresh stored credentials.
What to Tell the Customer
Explain the card on file was replaced and ask the customer to enter their new card details.
How to Reduce Similar Payment Failures
Account-updater services may automatically refresh reissued card details for recurring billing and reduce these declines.
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.