Transaction Result & Typical Bank Message Handling
The following section provides defined Transaction Result Codes and description to aid in the appropriate handling of the payment journey. The first section provides the expected result codes both for Direct Connect and Hosted Payment Page (referred to Redirect Result Codes). Whereas the second section is intended to provide some high-level guidance on how to interpret the values Bank Message attribute in the response.
Direct Connect Result Codes
| Bank Response | Description |
|---|---|
| APPROVED | Successful result code for Authorization Deposits |
| CAPTURED | Successful result code for Purchase Deposits and for Successful Refunds / Captures |
| VOIDED | Successful result code for Voided Transactions |
| ENROLLED | (Only Used when the Card is 3Dsecure Enrolled, Needs Verification with Visa/MasterCard, More details about this result in the 3DSecure section) |
| CHALLENGE | Only Used when the Card is 3Dsecure Enrolled, Needs Verification with Visa/MasterCard, More details about this result in the 3DSecure section) |
| DECLINED | For Declined Result Codes, description may vary depending on the acquirers. Any result code which is not included above, treat it as a declined result. |
| Page Timeout | This error is returned when a user either abandons the payment page or allows the payment page session (10 minutes) to expire |
Redirect Result Codes
| Bank Response | Description |
|---|---|
| OK | Result Code for Successful Payment |
| PENDING | Result code for Pending Payment |
| NOTOK | Result Code for Declined Payment |
| DECLINED | Result Code for Declined Payment |
| Page Timeout | Result Code for Declined Payment |
Bank Messages
As a general guide, any Bank Message starting with a C*** - are result codes for transactions that are failing Platform level validation B*** - are transactions being declined from the Provider and M*** - are MPI level responses that are of value escalating externally. This scheme is intended to allow us to handle multiple providers and retain the capability to provide the required information for appropriate troubleshooting and escalation.
Some Examples are listed in the table hereunder:
| Sample Messages |
|---|
| B05 - Do not honor Decline |
| B14 - Invalid card number Decline |
| B30 - Format error Decline |
| B51 - Insufficient funds/over credit limit |
| B57 - Transaction not permitted to issuer/cardholder |
| B58 - Transaction not permitted to acquirer/terminal |
| B61 - Exceeds withdrawal amount limit |
| C000 - Transaction Rejected |
| C002 - Missing Brand / Acquirer configuration |
| M001 - Transaction Failed Authentication |