Effective date:
April 14, 2023
Processor:
Visa Platform Connect
Service:
Authorization response
Feature
Cybersource
supports new authorization decline reason codes in the authorization response. If an authorization request is declined for a point of sale transaction, Mastercard returns a combination of a response code and a new decline reason code. The decline reason code indicates the reason that the authorization was declined, or it can provide other information that you can use to determine subsequent action.
Acquirers
Acquirers can add a decline reason code to the authorization response in this field:
  • Record: Field 104
  • Dataset ID: 65
  • Tag: 48
Mastercard returns one of these values as the decline reason code:
  • 01
    : New account information available.
  • 02
    : Cannot approve at this time. Retry later.
  • 03
    : Do not retry.
  • 24
    : Retry after 1 hour.
  • 25
    : Retry after 24 hours.
  • 26
    : Retry after 2 days.
  • 27
    : Retry after 4 days.
  • 28
    : Retry after 6 days.
  • 29
    : Retry after 8 days.
  • 30
    : Retry after 10 days.
Merchants
Merchants must send merchant information in these fields: