![]() ![]() This account has been blocked in PayJunction by the card association. See: What is a "DT" Duplicate Transaction decline code? ![]() This is most likely a mistake, change the invoice number or wait 10 minutes and try again. The same transaction amount, invoice number and credit card charge account has been attempted within the last 10 minutes. See: What is a "CR" Chip Card Removed decline code?ĭeclined - No Match: CVV Trinity 2.0 Response Your account appears to be turned off.ĭeclined - Terminal File Configuration ErrorĬontact PayJunction to resolve a configuration error.ĭeclined - Merchant File Configuration Errorĭeclined - No Match: CVV Trinity 1.0 Response See: What is a "BC" Card Brand Not Supported decline code?Ĭontact your merchant account provider, ISO or sales representative. John Mayleben, CPP, is RPN’s former senior vice president technology and new product development and a national expert on electronic payment processing.Declined - AVS International AVS Not Supportedĭeclined - AVS: No Match: Address and ZIP If you ever have questions about these types of issues, please call one of our customer service team members at 800.563.5981. That way you can be sure you are speaking to a legitimate source for your information. The best advice is NEVER call the number on the back of the card or let the cardholder call “the bank.” Use your voice authorization center for that call. ![]() By then the merchandise is gone and the store is out the money. The clerk thinks everything is okay … until a couple of days later when the transaction is returned as unauthorized. The fake bank employee then walks the clerk through the process to do a force transaction and provides a fake authorization code. In reality, the cardholder has called a friend who is impersonating the bank. If the store staff is not trained properly, the cardholder uses his or her cell phone (or convinces the sales clerk to make the call) to contact someone at the issuing bank. One of the scams we see on the rise involves a Decline or a Pick Up Card message. If you are able to keep the card, once the cardholder leaves you should call your voice authorization center for directions on submitting the card to the appropriate card brand. If this is not possible or especially if the cardholder demands the card back, by all means give it back to the customer. If you can do it safely, you are asked to keep the card. If a cardholder has had his or her card stolen, lost the card, or the issuing bank has closed the account, any attempt to process a transaction will generate the Pick Up Card message. The issuer? If you look closely at the back of a standard card, there is usually a note, in small print, that the card is the property of the issuing bank. In the case of a Pick Up Card message, the card issuer is alerting you that a transaction is being attempted on a card that the issuer would like to retrieve. It is rare that rerunning the transaction for the same amount will generate a different response. The approval or decline process is very simple: you either have the open to buy limit or you don’t. This amount, referred to as the “open to buy,” must be larger than the amount of the transaction for the sale to go through. If you attempt to process a sale and receives a decline code, normally it means that the credit limit for a “credit card” or the checking account balance for a signature “debit card” is not large enough to cover the amount of the transaction. Being aware of what to do – and then doing it – could save you from getting ripped off. Here’s what they mean and how you should respond when processing a card transaction. I was asked recently about those messages. What happens if the credit or debit card from one of your customers is declined or flagged for pick up during a purchase?
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