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Online & Authorization
Below are the possible response code values for offline transactions and their explanations: Response Code / Explanation - Y1: Approved offline, Z1: Declined offline, Y2: Approved after referral, and more.
Merchant & POS
Address Verification Service (AVS) is a fraud prevention system that helps limit fraud and chargebacks when used effectively. It verifies that the address a customer enters matches the cardholder's address on file with the issuer.
Payment Systems
TCR stands for Transaction Record Component, the packets that carry transaction information in a clearing system. Transaction types in a clearing file are distinguished by transaction code and usage code values, and this data is sent inside TCR packets.
Online & Authorization
In payment systems, the result of a transaction is sent in the F39 field. The F39 value is the code indicating the transaction's approval or decline status. It is a 2-character alphanumeric code. When approved, the value is usually 00.
Merchant & POS
QR Code is a two-dimensional barcode system developed by Denso Wave, a Toyota subsidiary operating in Japan. Its name comes from the initials of Quick Response. Its content can be any data, including text, a website address, or a video link.
Payment Systems
After switching to response code 70 for contactless limit-exceeded cases, we found that some overseas POS devices and acquirers did not handle it as expected. This post covers why the problem lies in the ecosystem and how to address it.
ISO 8583
F39 - RESPONSE CODE: This is the code showing whether the transaction was approved or declined. It is 2-digit alphanumeric. Typically 00 is sent when approved, and a decline reason code is sent when declined.
Credit Card
Cases where authorization approval is declined have always puzzled cardholders. Whenever the response code requires contacting the issuing bank (usually for declined transactions), the date, amount, and response code of the failed transaction become very important.
Merchant & POS
Response codes returned on payment transactions are critical for managing next steps. Curious which error codes trigger card capture? Under ISO 8583, codes 04, 07, 33, 34, 36, 38, 41 and 43 all result in the card being captured.
ISO 8583
DE 44 - ADDITIONAL RESPONSE DATA is used to provide other supplementary data that may be needed in authorization, as a response to the authorization message. The Card Authentication Results Code is sent in position 9, and the CAVV Result Code is sent in position 15.
Merchant & POS
Mail order is carried out by conveying credit card details to the merchant by phone or mail. A manual sale occurs when, due to a physical problem during checkout, the card details are entered into the POS device by hand instead.
Merchant & POS
Partial Authorization lets an issuer approve part of a transaction instead of declining it when the balance or limit is insufficient. This post covers how it works in ISO 8583, whether it is mandatory, and why it matters for the business.