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Simple Order API

Interpreting the Validation Response

If the authentication is rejected (TransStatus R), Visa, American Express, JCB, Diners Club, Discover, China UnionPay, and Elo recommend not proceeding to authorization. Instead, ask the customer to use another payment method.
Proceed with the order according to the validation response that you receive. The possible validation response statuses are the same for all of the card types.

Reason Code 100

Successful Step-up Authentication
  • PARes status =
    Y
Step-up authentication of the customer was successful. If you request the Validate Authentication and Authorization services separately, you must add the required payer validate payload values to your authorization request before you can receive chargeback protection that shifts the liability to the issuer.
Unavailable Step-up Authentication
  • PARes status =
    U
Step-up authentication was unavailable and the customer could not be authenticated. This status does not necessarily indicate any fraudulent intent from the customer. Merchants can either attempt to retry authentication or continue to authorization. If you are making separate validatation and authorization calls, you can still proceed with the authorization request but there is no liability shift. Without authentication, the merchant remains liable for any chargeback if it should occur with the transaction.

Reason Code 476

Unavailable Step-up Authentication
  • PARes status =
    N
The customer could not be authenticated. Do not submit this transaction for authorization. Instead ask the customer for another form of payment.
Error
If you receive an error from the payment card company, process the order according to your business rules. If the error occurs frequently, report it to customer supportcustomer supportcustomer support. If you receive a system error, determine the cause of the error and proceed with card authorization only when appropriate.