C’est quoi le Soft Decline ?
With the DSP2 application, issuers can refuse the transaction if 3D Secure authentication has not been performed. This behavior is called “Soft Decline”.
“Soft Decline” also applies to transactions in frictionless mode depending on the desires of the issuer (e.g. The issuer or the acquirer can refuse at the authorization stage if he or she does not want to apply frictionless to the transaction).
In order to reduce the number of reduced payments, when the issuer refuses a transaction in “Soft Decline”, the payment gateway automatically makes a new payment attempt but this time in “challenge mandate”. The buyer does not have to enter his or her card data again. It is therefore transparent for the buyer.
Which networks were involved?
By definition, all acquirers who make acquisitions in euros within the area of application of DPS2 are concerned.
- CB
- AMEXGLOBAL(American Express)
- GATECONEX(Elavon Europe)
- GICC(Concardis acquirers, Six payments, VR Pay)
| Network | Authorization return code |
|---|---|
| CB | 81 |
| AMEXGLOBAL | 130 |
| GATECONEX | 110 |
| GICC | 65 |