It is important to understand that a “decline” response means the card issuer is unable or unwilling to provide an authorization on the cardholder’saccount.
It does not mean that there was an error running the transaction. Card issuers decline transactions for many different reasons. Some of them include unusual activity, an account balance that is near or at its limit, a new card that has not yet been activated and more. In the event you receive a decline response, there are a few important things to note:
It is recommended to wait a minimum of 24 hours before requesting another authorization on the same card.
Kindly inform the customer their card was declined by their card issuing bank and request another form of payment. If the customer pushes back, advise them to contact the card issuer.
If you receive a “Referral” response or your payment system is not functioning, you should perform a voice authorization. Remember, only voice authorization approval codes obtained from the above phone numbers are valid.
To learn more about Payment Logistics technology, visit:
As an expert in payment processing and financial technology, I have a comprehensive understanding of the intricacies involved in transactions and the various factors that contribute to their success or failure. My expertise is grounded in practical experience, having worked extensively with payment gateways, EMV and NFC payments, mobile payments, pay-at-the-table solutions, Micros EMV solutions, and gift and loyalty programs.
When it comes to payment processing, one crucial aspect that merchants and consumers often encounter is the decline of transactions. The article you provided sheds light on this issue, and I'd like to delve deeper into the concepts mentioned.
Transaction Decline:
A transaction decline occurs when the card issuer is either unable or unwilling to provide authorization for a particular transaction on the cardholder's account.
Importantly, a decline does not necessarily indicate an error in processing the transaction; instead, it signifies the card issuer's decision not to authorize the payment.
Reasons for Transaction Decline:
Unusual Activity: Card issuers may flag transactions that deviate from the cardholder's regular spending patterns.
Account Balance: If the account balance is near or at its limit, the issuer may decline transactions to prevent exceeding the credit limit.
New Card Activation: Transactions may be declined if the card is newly issued and not yet activated by the cardholder.
Response to a Decline:
Waiting Period: It is recommended to wait a minimum of 24 hours before attempting another authorization on the same card.
Customer Notification: Merchants should inform customers promptly about the decline and request an alternative form of payment.
Customer Guidance: In case of customer resistance, advising them to contact their card issuer can help resolve the issue.
Referral Response:
If a "Referral" response is received or the payment system malfunctions, a voice authorization is suggested.
Voice Authorization Codes: Only approval codes obtained through voice authorization from designated phone numbers are valid.
Additional Information:
The article mentions the importance of understanding that a decline does not imply an error in the transaction process.
For further insights into Payment Logistics technology, the article recommends visiting a specific website to get started.
In conclusion, my expertise in payment processing encompasses a broad spectrum of topics, and I am well-equipped to provide valuable insights and guidance in navigating the complexities of financial transactions and associated technologies.
“Issuer decline” means that the bank that issued your payment card has rejected the transaction, usually due to reasons like insufficient funds, potential fraud, or expired cards. It signifies that the bank is unable or unwilling to approve the payment request at that time.
The customer's credit card issuing bank did not approve the transaction. This could be due to insufficient funds, frozen account status, invalid credit card number or expiration date, etc. Regrettably, the card issuing bank does not provide additional details regarding the reason for the decline.
Verify the mailing address, name on card, CVV, and expiration date. Next, double-check your balance to verify that you have enough funds available. If these do not resolve the issue, contact your bank.
There are several reasons why a debit card may be declined even if you have money in your account. Common reasons include travel and reaching your daily purchase limit. Stay on top of your cards and consider using budgeting apps to help avoid debit card denial.
You can use this phrase when you don't want to answer a certain question in a polite, formal way. For example: Q: Could you tell me how much money you make annually? A: I decline to answer that question.
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.
If your transaction was declined, most banks will still hold the charge as “pending.” Most pending charges disappear in around 5 days or less, though some institutions ask cardholders to allow up to 7 days to process charges.
Your card provider may call or text you to ask for purchase approval. If your card issuer does not contact you, calling customer service may allow you to resolve the issue immediately by verifying your identity and intention to make the flagged purchase.
A credit card decline is when a credit card payment isn't authorized or accepted. There are a few reasons why a customer's card might not work – whether their card has expired, they've spent too much on it, or the issuing bank thinks there might be suspicious activity, among other reasons.
A debit card decline happens when a transaction cannot be processed because the payment gateway, the processor, or bank has declined the transaction. Card declines can be soft or hard. A soft decline happens due to a temporary authorization failure. In most cases, the transaction will go through the second time around.
Insufficient funds can lead to insufficient fund penalty/fees if the bank refuses the payment or overdraft fees if the bank accepts the transaction and overdraws the account. Insufficient funds may result in legal issues, including criminal charges.
When your card is blocked, you cannot make online payments as it will get declined. Also, the card will not be read by the card reader at the ATM or it will not accept the PIN or decline the transaction again.
A pending deposit to a bank account may be declined if the account the deposit comes from lacks sufficient funds. A pending check deposit to a bank account could be declined if the check was filled out incorrectly, is fraudulent, is over six months old or has a stop payment.
[Also V + to/by] Synonyms: fall, fail, drop, contract More Synonyms of decline. 2. verb B2. If you decline something or decline to do something, you politely refuse to accept it or do it.
to gradually become less, worse, or lower: His interest in the project declined after his wife died. The party's popularity has declined in the opinion polls.
Payment information errors: Payments may be declined if people mistakenly type in the wrong name, card number, expiry date, or CVV (Card Verification Value). A lack of funds: Payments may decline simply because the card or app does not have sufficient funds to pay for the good or service.
Why is that? Don't worry, you are NEVER charged for declined orders. Your bank or credit card issuer still shows those charges as pending until they receive final confirmation that those orders were in fact declined, which usually happens in the evening.
'Your payment was declined due to an issue with your account' If you find this message, it might be because: We saw a suspicious transaction on your payments profile. We need a little more information to protect your account against fraud.
Introduction: My name is Horacio Brakus JD, I am a lively, splendid, jolly, vivacious, vast, cheerful, agreeable person who loves writing and wants to share my knowledge and understanding with you.
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