Declined Authorizations
If an authorization is declined, you can use response categories to help you decide whether
to retry or block a declined transaction. These response fields provide additional
information:
- ccAuthReply_paymentInsightsInformation_responseInsightsCategory
- ccAuthReply_paymentInsightsInformation_responseInsightsCategoryCodeThese fields are available starting in the XML schema version 1.193.
Category codes have possible values (such as
01
) each of which corresponds to a
category that contains a description. You cannot retry this category code and category:
- 01 ISSUER_WILL_NEVER_APPROVE
- 02 ISSUER_CANNOT_APPROVE_AT_THIS_TIME
- 03 ISSUER_CANNOT_APPROVE_WITH_THESE_DETAILS: Data quality issue. Revalidate data prior to retrying the transaction.
- 04 GENERIC_ERROR
- 97 PAYMENT_INSIGHTS_INTERNAL_ERROR
- 98 OTHERS
- 99 PAYMENT_INSIGHTS_RESPONSE_CATEGORY_MATCH_NOT_FOUND