First Ride Risk {#um-workflow-first-ride-risk}
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First Ride Risk (FRR) is a feature that addresses the liability for the first use of a payment credential that fails pre-authorization and might result in a refusal for travel. Use FRR to capture a transaction even when the pre-authorization fails. In this case, the merchant or acquirer assumes responsibility for the risk.

First Ride Risk Eligibility Reason Codes {#um-workflow-first-ride-risk-codes}
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When a failed pre-authorization returns one of these response codes in the processorInformation.responseCode field, the transaction is eligible for FRR and capture:

* `01`: Refer to card issuers.
* `04`: Pick-up.
* `05`: ID certification fails.
* `12`: Invalid related transaction.
* `13`: Invalid amount.
* `14`: Invalid card number (no such account).
* `21`: Card not initialized.
* `22`: Suspected malfunction, related transaction error.
* `34`: Fraud.
* `38`: PIN try limit exceeded.
* `40`: Function requested not supported.
* `41`: Lost card.
* `43`: Stolen card.
* `57`: Transaction not allowed to be processed by cardholder.
* `58`: Transaction not allowed to be processed by terminal.
* `59`: Suspected fraud.
* `62`: Restricted card.
* `68`: Issuer response timeout.
* `75`: Allowable number of PIN tries exceeded.
* `90`: Cutoff is in progress.
* `91`: Issuer cannot process.
* `97`: ATM/POS terminal number cannot be located.
* `98`: Issuer response not received.
* `99`: PIN block error.
* `1A`: The transaction needs additional customer authentication.
* `A0`: MAC failed.
* `N1`: Items not on Bankbook beyond limit, declined.
* `P1`: Contact phone number of cardholder cannot be found in the issuer's system.