Description: The article includes basic information related to High Risk Score clients.



  • Check the decline reason from Checkout / Mission Control if the payment link hasn’t expired. 
  • However, if the payment link shows “This link has expired due to excessive attempts”, then we will check the issue from Sift. Mission control will show the invoice as Blocked and the link would have expired after 1 attempt from the client’s end. On the user's end, the payment link is shown as Frozen.

We will ask the user for the payment link which was shared with the client and then check the decline reason from Sift.


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We will send the following message to the user when the client’s risk score is above 90 and Sift shows it as Blocked:


“After investigating, we found that there was an issue with the payment processing due to standard security measures we have in place. Our system flagged the payment as potentially risky based on certain criteria associated with the client's details. To ensure smooth transactions, we encourage clients to provide accurate and verified information during the payment process.”



Decline Reasons Explanation

Decline Reason & Code  

Error Screen

Macros

Declined - Do Not Honour - 20005 




Suspected Fraud/ Do not honour 


Suspected Fraud - 20059

Insufficient Funds - 20051

Invalid Transaction - 20012

Security - 20183

Security Violation - 20063

System Malfunction - 20096

Missing CVV value, required for Ecommerce Transaction - 20124

Transaction not Permitted to Cardholder - 20057 

Exceeds Withdrawal Value/Amount Limits - 20061

Exceeds Withdrawal Frequency Limit - 20065 

Invalid Value Amount - 20013 

Risk Blocked Transaction- due to frequency abuse - 40101


Risk Blocked Transaction due to frequency abuse



Default/Generic Error (All other Responses) 


Chat Tag: Payment link Errors

Check the error from the checkout portal.



Invalid Merchant, or Merchant is not active - 20003


Chat Tag: Payment link Errors

Check the error from the checkout portal.

Issuer or Switch is Inoperative - 20091

Response Received Too Late / Timeout - 20068



Cardholder failed 3D-Secure authentication - 20151


Card not 3D Secure/OTP being expired






Initial 3D-Secure transaction has expired - 20152


Policy - 20182


Restricted Card/Transaction not Permitted to Terminal

Restricted Card - 20062

Format Error - 20030 

No Universal Value/Amount - 20042

Transaction not Permitted to Terminal - 20058

Refer to Card Issuer - 20001 



Invalid Card Number - 20014



Invalid Card Number/ Expired Card


Expired Card - 20054
Stolen Card - Pick Up - 30043
Pick Up Card (No Fraud) - 30004
Lost Card - Pick Up - 30041
Lifecycle - 20179