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REST API

processorInformation. merchantAdvice.code

Category code indicating information about a decline.
For some processors, this field is used only for Mastercard. For other processors, this field is used for Visa and Mastercard. And for other processors, this field is not implemented.
When this field is used for Mastercard with
, it is available only for card-not-present declined transactions. When this field is used for Visa with
, it is available for both card-present and card-not-present declined transactions.
IMPORTANT
Use the values returned in this field for Visa and Mastercard to determine whether to retry declined transactions. Update your retry logic to ensure that a retry is not attempted when the card association won't approve the transactions. A retry on a transaction with a value in this field that prohibits retry, such as the value of
1
 for Visa (Issuer never approves) or
3
 for Mastercard (Do not try again), can incur a penalty from card companies.
IMPORTANT
If a decline does not have a merchant advice code in the response, the default is not to retry the transaction.
Visa and Mastercard, in addition to the merchant advice codes, provide decline response codes. American Express and Discover do not provide category codes, but they do provide decline response codes.

Possible Values for
and
Processors

Visa:
  • 1
    : Issuer never approves
  • 2
    : Issuer cannot approve at this time
  • 3
    : Data quality/revalidate payment information
Mastercard:
  • 01
    : New account information available
  • 02
    : Try Again Later
  • 03
    : Do Not Try Again
  • 04
    : Token not supported
  • 21
    : Do not honor
  • 22
    : Merchant doese not qualify for product code
  • 24
    : Retry after 1 hour
  • 25
    : Retry after 24 hours
  • 26
    : Retry after 2 days
  • 27
    : Retry after 4 days
  • 28
    : Retry after 6 days
  • 29
    : Retry after 8 days
  • 30
    : Retry after 10 days
  • 99
    : Do Not Try Again

Specifications

  • Data Type:
     String
  • Data Length:
     2

Mapping Information

  • REST API Field:
    processorInformation.merchantAdvice.code
  • SCMP API Field:
    merchant_advice_code
  • Simple Order API Field:
    ccAuthReply_merchantAdviceCode