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 AMEXGLOBAL 130 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.