Transaction refused, “soft decline”

With the implementation of the PSD2, the issuer can refuse the transaction due to the absence of cardholder authentication.

Here are the details of a “soft decline” transaction:

  • The reason of the refusal is indicated on the Status line:

    Reason of refusal “3D Secure soft decline” - authentication request required.

  • The Authorization section allows to view the authorization return code.
    List of authorization return codes reserved to “soft decline”:
    Network Authorization return
    CB 81
    GICC 65

  • The Multiple attempts tab allows you to list the different payment attempts:

  • The History tab of the rejected transaction shows why the end of payment notification was not sent.