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Authorization declines
Authorization declines occur when Digital River submits a request to authorize a charge on your customer's payment source but the request is denied.
Digital River works with multiple credit card processors using a proprietary solution that maximizes billing success. If an authorization attempt fails with the first credit card processor, Digital River may try billing against a different processor.
When Digital River cannot obtain a successful authorization, the error code returned in the response will indicate the reason for the decline. Some common reasons for authorization declines are incorrectly entered credit card numbers, invalid security codes, and insufficient funds.
In the event of an authorization decline, you maintain responsibility for communicating with the customer, as well as following the Digital River retry policies.
The error code and description returned in the response should never be shared with the customer. Doing so may aid parties that are attempting to carry out fraudulent activities.

Hard declines vs. soft declines

There are two major types of authorization declines: hard and soft. Hard declines are permanent authorization failures. In other words, retrying the payment method won't be successful. They are usually due to irreversible events, such as a payment method no longer being valid because the account was closed or the card was stolen. In these cases, you'll need to inform customers that they must either use a different payment method or fix any payment data that was incorrectly entered.
Soft declines, on the other hand, typically occur when the reason for the decline is temporary. They are often due to insufficient funds or an exceeded daily limit. For merchant initiated transactions, after a soft decline occurs, retrying the payment source may be successful. But, there are certain policies you must observe when conducting these retries.
The authorization decline (hard or soft) and description returned in the response should never be shared with the customer. Doing so may aid parties that are attempting to carry out fraudulent activities.

Decline codes

The following table explains whether the error code you receive in response to a request to authorize a charge indicates a hard or soft decline.
You can find a complete list of Commerce API error codes here.
For soft declines, make sure you follow the retry policies when submitting additional authorization requests.
Error code
Decline type
account_closed
Hard
card_expired
Soft
card_limit_exceeded
Soft
card_type_block
Hard
card_velocity_exceeded
Soft
declined
Hard
do_not_honor
Soft
fraud
Hard
fraud_block
Hard
insufficient_funds
Soft
invalid_address
Hard
invalid_amount
Hard
invalid_card_bin
Hard
invalid_card_number
Hard
invalid_currency
Hard
invalid_expiration_date
Hard
invalid_pin
Hard
invalid_security_code
Hard
invalid_transaction_type
Hard
issuer_invalid_card
Hard
issuer_not_found
Hard
issuer_unavailable
Soft
limit_exceeded
Soft
lost_stolen_card
Hard
mid_limit_exceeded
Soft
no_response
Soft
pin_try_exceeded
Soft
restricted_card
Hard
stop_recurring
Hard
voice_authorization_required
Hard

Retry policies

The following are the retry policies you must adhere to when resubmitting an authorization request:
  • No more than one authorization attempt per day per subscription
  • No more than four authorization attempts over a 30 day period per subscription
Additionally, we recommend that you do not schedule retries seven days apart. This prevents them from falling on the same day of the week, thereby helping you obtain a higher authorization success rate.
Last modified 6mo ago