Some common declined transaction codes and reasons

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CODE REASON 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 find out from their bank why their eCommerce 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 The user may have entered an incorrect OTP. This return code always signifies that the bank's system was unable to authenticate the user
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
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