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transactionsauthorize.net

Transaction Response "responseCode" Field

In the Authorize.NET Documentation, the payment transaction response has the field responseCode. According to documentation, the possible values are:

  1. Approved
  2. Declined
  3. Error
  4. Held for Review

What are the possible reasons for 2, 3, and 4?

Solution

  • Declined

    Declines are issued by the credit card issuing bank and can be for any reason they choose to decline a payment. The most common reasons are:

    1. User does not have sufficient funds in their account
    2. Card is not valid or does not exist
    3. The bank suspects a potentially fraudulent transaction

    Error

    This can be due to any number of reasons. The error could occur at the gateway, processor, or the card issuing bank.

    Held for Review

    This can occur if you are using the Advanced Fraud Detection Suite (AFDS). If you do not use this feature, this status will not occur.