Payment transaction details-instrument level có giá trọ thanh toán không năm 2024
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Declines are not the same as gateway rejections. Declined transactions are blocked by the customer's bank, while gateway rejections are blocked by your Braintree gateway settings. Show A processor decline indicates that the customer’s bank has refused the transaction request. Sometimes you can tell why it was declined by reading the response code, but only the customer's bank can confirm the specific reason. The most common reasons for declines are:
Decline ratiosAn acceptable decline ratio is about 10% of your transactions, but this may fluctuate based on industry or business model. You can analyze your decline ratio by creating a decline report. Lowering your decline ratioWhile declines are usually influenced by the customer's bank, your decline ratio can be inflated by repeated attempts on the same payment method – either on your end or by the customer. We recommend that you use our risk threshold rules to reduce repeated customer attempts and our instead of implementing your own. When we talk about declines, we're usually referring to authorization declines. These happen when you request authorization to charge a customer's payment method, and the bank refuses to authorize the charge. Settlement declinesSettlement declines happen when the bank denies the transaction after a successful authorization. These are much more rare than authorization declines. Handling declinesThere are two types of declines: hard and soft declines. The type of decline informs how you should handle it. Hard declines are the result of an error or issue which can't be resolved immediately. Action such as contacting Braintree Support or asking the customer to contact their bank will need to be taken to resolve the issue before the transaction can be retried. Soft declines are the result of a temporary issue. Retrying the provided payment method information may be successful. Retrying declined transactionsRecently, Visa and MasterCard have implemented new fees to maintain network health by curbing excessive retries across each decline code category. These recent mandates affect every Payment Service Provider (PSP), including Braintree. Transactions that are being fined are merchant-initiated or customer-initiated retries, or new transaction attempts from customers that are being flagged as retries. If you decide to manage your retries internally, note how retries are identifiable from Braintree's response codes. Retries for both Visa and Mastercard can have fees associated with them based on the number of re-attempts made. Visa For Visa, retry categories are mapped to Braintree response codes as follows: Visa Retry CategoryBraintree Response CodeRetry GuidanceFee Category 1, , , , , , , , Do not retry$0.10 for each domestic transaction beyond threshold. $0.15 for each international transaction beyond threshold. Category 2, , , , , , , , , , , , Issuer Cannot Approve At this Time (Reattempt Allowed); limit retries to 15 retries over a rolling 30 day period$0.10 for each domestic transaction beyond threshold. $0.15 for each international transaction beyond threshold. Category 3, , , , , , Limit retries to 15 retries over a rolling 30 day period$0.10 for each domestic transaction beyond threshold. $0.15 for each international transaction beyond threshold. Category 4Limit retries to 15 retries over a rolling 30 day period$0.10 for each domestic transaction beyond threshold. $0.15 for each international transaction beyond threshold.
Mastercard For Mastercard, retries should be based only on the Merchant Advice Codes found in the merchant_advice_code field and its corresponding description merchant_advice_code_text. Mastercard assesses a $0.10 fee for every reattempt exceeding 10 retries over a 24-hour period for MAC 03 and MAC 21. For the specific rules around retries for Mastercard,see the Braintree Merchant Advice Codes page. Braintree Smart Retries Merchants can retry transactions using:
Smart Retries help predict better retry strategies from inputs based on varying factors, from customer behavior, transaction history, and payment processing performance. Smart Retries can also help minimize payment friction at checkout by potentially reducing transaction latency, helping to drive revenue and customer satisfaction. Merchants currently using Braintree Retry will be migrated to Smart Retries. Additional Processor ResponsesAs a supplement to processor response codes, you can choose to enable additional processor responses in the Control Panel. If enabled – and the processor declines the transaction – the processor’s raw response will be displayed in the transaction details in the Control Panel. This response doesn’t often offer much additional context, which is why this feature is disabled by default. If you would like to enable it:
Regardless of whether you enable this feature in the Control Panel, the API will always return the additional processor response in the . Authorization decline codesCode Text Implications Type Retry Guidance Do Not Honor The customer's bank is unwilling to accept the transaction. The customer will need to contact their bank for more details regarding this generic decline. Soft Visa: Category 4, limit retries to 15 attempts over a rolling 30-day period Insufficient Funds The account did not have sufficient funds to cover the transaction amount at the time of the transaction – subsequent attempts at a later date may be successful. Soft Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period Limit Exceeded The attempted transaction exceeds the withdrawal limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method. Soft Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period Cardholder's Activity Limit Exceeded The attempted transaction exceeds the activity limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method. Soft Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period Expired Card Card is expired. The customer will need to use a different payment method. Hard Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period Invalid Credit Card Number The customer entered an invalid payment method or made a typo in their credit card information. Have the customer correct their payment information and attempt the transaction again – if the decline persists, they will need to contact their bank. Hard Invalid Expiration Date The customer entered an invalid payment method or made a typo in their card expiration date. Have the customer correct their payment information and attempt the transaction again – if the decline persists, they will need to contact their bank. Hard No Account The submitted card number is not on file with the card-issuing bank. The customer will need to contact their bank. Hard Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period Card Account Length Error The submitted card number does not include the proper number of digits. Have the customer attempt the transaction again – if the decline persists, the customer will need to contact their bank. Hard No Such Issuer This decline code could indicate that the submitted card number does not correlate to an existing card-issuing bank or that there is a connectivity error with the issuer. The customer will need to contact their bank for more information. Hard Visa: Category 1, do not retry Card Issuer Declined CVV The customer entered in an invalid security code or made a typo in their card information. Have the customer attempt the transaction again – if the decline persists, the customer will need to contact their bank. Hard Visa: Category 3, limit retries to 15 attempts over a rolling 30-day period Voice Authorization Required The customer’s bank is requesting that the merchant (you) call to obtain a special authorization code in order to complete this transaction. This can result in a lengthy process – we recommend obtaining a new payment method instead. Contact us for more details. Hard Processor Declined – Possible Lost Card The card used has likely been reported as lost. The customer will need to contact their bank for more information. Hard Processor Declined – Possible Stolen Card The card used has likely been reported as stolen. The customer will need to contact their bank for more information. Hard Processor Declined – Fraud Suspected The customer’s bank suspects fraud – they will need to contact their bank for more information. Hard Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period Transaction Not Allowed The customer's bank is declining the transaction for unspecified reasons, possibly due to an issue with the card itself. They will need to contact their bank or use a different payment method. Hard Visa: Category 1, do not retry Duplicate Transaction The submitted transaction appears to be a duplicate of a previously submitted transaction and was declined to prevent charging the same card twice for the same service. Soft Cardholder Stopped Billing The customer requested a cancellation of a single transaction – reach out to them for more information. Hard Visa: Category 1, do not retry Cardholder Stopped All Billing The customer requested the cancellation of a recurring transaction or subscription – reach out to them for more information. Hard Visa: Category 1, do not retry Invalid Transaction The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction – for example, the customer used an FSA debit card for a non-healthcare related purchase. They will need to contact their bank for more information. Hard Visa: Category 1, do not retry Violation The customer will need to contact their bank for more information. Hard Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period Security Violation The customer's bank is declining the transaction, possibly due to a fraud concern. They will need to contact their bank or use a different payment method. Hard Declined – Updated Cardholder Available The submitted card has expired or been reported lost and a new card has been issued. Reach out to your customer to obtain updated card information. Hard Processor Does Not Support This Feature Your account can't process transactions with the intended feature – for example, 3D Secure or Level 2/Level 3 data. If you believe your merchant account should be set up to accept this type of transaction, contact us . Hard Card Type Not Enabled Your account can't process the attempted card type. If you believe your merchant account should be set up to accept this type of card, contact us for assistance. Hard Set Up Error – Merchant Depending on your region, this response could indicate a connectivity or setup issue. Contact us for more information regarding this error message. Soft Invalid Merchant ID The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. If this response persists across transactions for multiple customers, it could indicate a connectivity or setup issue. Contact us for more information regarding this error message. Soft Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period Set Up Error – Amount This rare decline code indicates an issue with processing the amount of the transaction. The customer will need to contact their bank for more details. Hard Set Up Error – Hierarchy There is a setup issue with your account.Contact us for more information. Hard Set Up Error – Card This response generally indicates that there is a problem with the submitted card. The customer will need to use a different payment method. Hard Set Up Error – Terminal There is a setup issue with your account.Contact us for more information. Hard Encryption Error The cardholder’s bank does not support $0.00 card verifications. Enable the option to resolve this error.Contact us with questions. Hard Surcharge Not Permitted Surcharge amount not permitted on this card. The customer will need to use a different payment method. Hard Inconsistent Data An error occurred when communicating with the processor. The customer will need to contact their bank for more details. Hard No Action Taken An error occurred and the intended transaction was not completed. Attempt the transaction again. Soft Partial Approval For Amount In Group III Version The customer's bank approved the transaction for less than the requested amount. Have the customer attempt the transaction again – if the decline persists, the customer will need to use a different payment method. Soft Authorization could not be found An error occurred when trying to process the authorization. This response could indicate a problem with the back-end processing network, not necessarily a problem with the payment method. Have the customer attempt the transaction again – if the decline persists, |
