| CODE | DESCRIPTION | EXPLANATION |
| 800.100.152 | Transaction declined by authorization system |
This is a decline at the BANK and we
would need to look at each of the affected transactions to see if the logs will give us a bit more information on the specific reason. With this error the bank has declined the transaction and this is not due to yours or our systems. The customer would need to require from their bank the explanation why their transaction has failed. In our experience the following are the common reasons: 1. Insufficient funds 2. Risk system of issuing bank 3. Risk system of acquiring bank 4. Other technical reasons including that the card is not enabled for online transactions |
| 100.380.401 | User Authentication Failed | Cardholder may
have entered incorrect Password / OTP. This decline code allways signifies that the issuer bank system was unable to authenticate the cardholder. |
| 100.396.103 | Previously pending transaction timed out |
The registration transaction was not
authenticated and timed out. The debit references the registration token and hence this may also fail. |
| 100.390.112 | Technical Error in 3D system | This occurs when
there is an error with the 3DSecure process at the bank. It could be that their 3DSecure system was down at the time. |
| 100.380.501 | Risk management transaction timeout | The
customer probably did not enter their OTP or possibly did not get shown the 3Dsecure page because something on the customer's browser was blocking the 3DSecure page from loading. |
The full lis and descriptions you may find at the following link: https://allsecure.docs.oppwa.com/reference/resultCodes