Declined transactions
Understanding why transactions are declined
These are the cases where we decline transactions on a client's behalf:
- Transaction received from a PAN that wasn't issued by our system.
- Wrong PIN
- Invalid CVV
- Invalid ARQC
- Invalid AAV
- Wrong expiry date or transaction received from an expired card
- Wrong ATC counter
- Wrong Service code
- Withdrawal request other than from an ATM
- The status of the card has been set to other than active (lost card, void, inactive etc)
- The status of the account linked to the card is suspended or inactive
- Transaction from a blacklisted country
- A data element defined in the document contradicts the txn request received
- Rules defined for the card/client to decline for certain cases, like:
- declining all e-commerce, ATMs etc.
- declining transactions exceeding a certain amount limit
- Online PIN tries exceeded
- Offline PIN tries exceeded
- PIN mismatch in a PIN change request
- AVS (Address Verification Service) check failed
- 3DS verification failed
- Cashback request received from a POS that doesn't support the cashback feature
- Based on card flags like:
- Sets card to decline all e-commerce
- Sets card to decline all ATM cash transactions
- Sets card to decline Balance enquiry over auth
Updated 7 months ago