Overview

In the Acquired.com API certain statuses have a number of correlating reasons, that gives the developer more of an insight into what has occurred.

If the status is success, then a reason will not be returned. This is the same for the status error. You would receive this status when there is an internal server error, but this should not be a likely occurrence.

In the tables below you will see the reasons mapped to each status and an explanation into how to resolve the reason.

Status: `declined`

The declined reasons are indexed by most common occurring first.

Reason	Description
`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.)
`generic_decline`	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.
`closed_account`	The customer no longer has an account with the bank which they/you are trying to process the payment through. Please contact the customer and ask them to provide different payment details.
`lost_or_stolen`	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.
`restricted_card`	The customer's card issuer has declined the transaction as the credit card has some restrictions. The customer should use an alternate credit card, or contact their bank.
`expired_card`	The card has either expired or the incorrect card expiry date was entered. The customer will need to either re-enter to the expiry date or use a different payment method.
`suspected_fraud`	The card used in this transaction has been flagged as fraudulent by the issuing bank. Please re-try the payment with a different card.
`cardholder_cancellation`	The cardholder has ordered their issuing bank to decline all future attempts by the merchant. Contact the customer and ask them to contact their bank to remove the block, update their billing details to a new card and cancel the user’s subscription.
`invalid_cvv`	The customer entered an invalid security code or made a typo in their card information. Request that the customer attempts the transaction again. If the decline persists, the customer will need to contact their bank.
`invalid_pin`	The pin code entered by the cardholder is incorrect.
`invalid_avs`	The address information added by the cardholder is incorrect.
`soft_decline`	For recurring payments, the merchant will need to re-tokenise the card, as the soft decline indicates that further action is required to successfully process the payment.

Status: `blocked`

The blocked status is configured by rules. Unless you are setting specific rules within the Acquired.com platform, you will not see these reasons.

The blocked reasons have a RAG status of low, medium or high, depending on how often these reasons are returned. (They have been sorted by highest occurring first.)

If you have any questions involving these reasons, such as, you want to configure or remove the rules set against a reason, please contact our support team.

Reason	Occurrence	Description
`6012_data`	High	If your MCC code is 6012, 6051 or 7299 you are required to pass through certain data fields in every request (`last_name`, `dob` and `postcode`), please ensure you are passing these values and re-try.
`cardholder_cancelled`	High	The customer requested a cancellation of a single transaction – reach out to them for more information.
`bin_bank`	Medium	A BIN filter configured on your account has blocked the transaction, in this case on a Bank level i.e. Natwest, Barclays etc.
`blocklist_bin`	Medium	You have attempted to process a card that is blocked on your account.
`bin_scheme`	Medium	A BIN filter configured on your account has blocked the transaction, in this case on a card type level.
`bin_country`	Medium	A BIN filter configured on your account has blocked the transaction, in this case on a country level.
`max_card_success`	Medium	You have reached the maximum number of authorised attempts to process against any single card and as a result has been rejected.
`transaction_disputed`	Medium	The transaction has been disputed by the issuing bank.
`max_card_attempts`	Low	You have reached the maximum number of attempts against the card.
`blocklist_email`	Low	The customer’s email address attempted is on your blocklist.
`blocklist_card`	Low	The card number attempted is on your blocklist.
`max_amount_month`	Low	The maximum amount successfully processed for this month via this MID has been reached.
`max_post_month`	Low	The maximum number of posts against this MID for the month has been breached and any further transactions processed against this MID will be blocked.
`max_amount_day`	Low	The maximum amount permitted to be processed on a daily basis has been breached for this MID.
`max_post_day`	Low	The maximum number of posts permitted to be processed on a daily basis has been breached for this MID.
`exceeds_max_amount`	Low	The maximum amount (per transaction) configured on this MID has been breached.
`below_min_amount`	Low	The minimum amount (per transaction) configured on your MID has not been breached.
`max_daily_refunds_count`	Low	The maximum number of refunds (per day) configured against this MID has been breached.
`max_daily_refunds_amount`	Low	The maximum amount you can refund (per day) has been breached against this MID.
`max_monthly_refunds_count`	Low	The maximum number of refunds you can process (per month) has been breached against this MID.
`max_monthly_refunds_amount`	Low	The maximum amount you can refund (per month) has been breached against this MID.
`below_min_refund_amount`	Low	The refund request is below the minimum amount set against this MID.
`exceeds_max_refund_amount`	Low	The refund request exceeds the maximum amount that you can process.
`max_ip_day`	Low	The maximum number of posts (per day) from the same IP address has been breached against this MID.
`max_ip_month`	Low	The maximum number of posts (per month) from the same IP address has been breached against this MID.
`max_email_day`	Low	The maximum number of posts (per day) from the same email address has been breached against this MID.
`max_email_month`	Low	The maximum number of posts (per month) from the same email address has been breached against this MID.
`max_phone_day`	Low	The maximum number of posts (per day) from the same phone number has been breached against this MID.
`max_phone_month`	Low	The maximum number of posts (per month) from the same phone number has been breached against this MID.
`card_not_active`	Low	The card that has processed the payment is not set as active on the account.
`blocklist_phone`	Low	The customer’s phone number attempted is on your blocklist.
`blocklist_ip`	Low	The customer’s IP address attempted is on your blocklist.
`fraud_scoring`	Low	Authorisation request has been rejected by your fraud solution.
`fraud_scoring_error`	Low	You have attempted to process a card that is blocked on your account.
`max_refunds_count`	Low	Based on your configuration, you have processed the maximum number of refunds.
`transaction_fraud`	Low	The transaction has been flagged as potentially fraudulent by the issuing bank.
`exceeds_max_transactions`	Low	The transaction request has exceeded the maximum value.
`max_card_success`	Low	You have reached the maximum number of authorised attempts to process against any single card.
`bin_level`	Low	A BIN filter configured on your account has blocked the transaction, in this case on a card level i.e. prepaid, corporate etc.
`bin_product`	Low	A BIN filter configured on your account has blocked the transaction, in this case on a card product level, i.e. consumer.

EMV 3DS Reasons

Status: `tds_error`

Reason	Description
`acs_technical_issue`	There was a technical issue after the cardholder completed the challenge, please try again.
`bad_gateway`	We have encountered a technical issue, please try again.

Status: `tds_expired`

Reason	Description
`challenge_time_out`	The session has expired because the cardholder did not complete the challenge presented by their issuing bank.

Status: `tds_failed`

Reason	Description
`challenge_not_completed`	The cardholder did not complete the challenge presented by their issuing bank.
`card_authentication_failed`	The cardholder was not challenged and authentication has failed.
`challenge_failed`	The cardholder failed the challenge presented by their issuing bank.
`challenge_limit_exceeded`	The cardholder has exceeded the number of challenges their issuing bank will allow at this time, please try again.
`no_card_record`	The card number is not recognised by the issuing bank, please check the card details and try again.
`transaction_not_permitted_to_cardholder`	The issuing bank does not permit the cardholder to complete this type of transaction
`suspected_fraud`	This transaction is suspected to be fraudulent.
`security_failure`	The cardholder's issuing bank has encountered a security error, please try again.
`scheme_status_reason`	Authentication has failed due to a reason determined by the card scheme
`low_confidence`	The cardholder's issuing bank does not have confidence to approve the transaction at this time.
`invalid_card_number`	The cardholder has entered an invalid card number.
`expired_card`	The card has either expired or the incorrect card expiry date was entered. The customer will need to either re-enter to the expiry date or use a different payment method.
`invalid_transaction`	The cardholder's issuing bank will not authenticate the transaction at this time, please try again.
`exceeds_authentication_frequency_limit`	The cardholder has reached their authentication limit set by their issuing bank at this time.
`medium_confidence`	The cardholder's issuing bank does not have enough confidence to approve the transaction at this time.