If an authorization is declined, you can use response categories to help decide if you should retry or block a declined transaction. These response fields provide additional information:
  • ccAuthReply_paymentInsightsInformation_responseInsightsCategory
  • ccAuthReply_paymentInsightsInformation_responseInsightsCategoryCode
    These fields are available starting in version 1.193.
Category codes have possible values (such as
01
) that correspond to a category, which contains a description. These are the possible values:
  • You cannot retry the following category code and category:
    • 01 ISSUER_WILL_NEVER_APPROVE
  • For the following 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