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Declined Authorizations {#payments-intro-processing-auth-decline}
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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_responseInsightsCategoryCode  
  These 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`

{#payments-intro-processing-auth-decline_ul_wxl_1yx_f5b}For these values, you can retry the transaction a maximum of 15 times over a period of 30 days:


* `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`
  {#payments-intro-processing-auth-decline_ul_zf4_4yx_f5b}  
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