Payment Excellence Best Practices - Excessive Attempts Guidelines : Peach Payments

This article serves as a guideline for when to retry transactions and when not to as mandated by the Visa and Mastercard schemes. It is important to note that failure to comply will result in fines being issued.

When a transaction fails, the acquirer response code from Visa or Mastercard must be noted as well as which category these codes form a part of.

Category 1 transactions are particularly important as they should not be reattempted under any circumstances.

The categories and what they mean:

Category 1: Never re-attempt these transactions (Visa or Mastercard)
Category 2: Issuer cannot approve at this time.
- For Visa, re-attempts should be limited to 15 attempts in 30 days.
- For Mastercard, re-attempts should be limited to 35 attempts in 30 days.
Category 3: Data quality needs to be re-evaluated. Check the data being sent and confirm it is correct before re-attempting.
Category 4: Generic response codes.

Merchant Advice Codes (MAC) and what they mean:

MAC	Description	Applicable to Visa	Applicable to Mastercard
00	Others	✅	✅
01	New/Updated Account Information available	✅	✅
02	Try again later	✅	✅
03	Do not try again	✅	✅
04	Token requirements not fulfilled for this token type	❌	✅
21	Recurring Payment Cancellation Service	❌	✅
22	Merchant does not qualify for product code	❌	✅
24	Retry after 1 hour	❌	✅
25	Retry after 24 hours	❌	✅
26	Retry after 2 days	❌	✅
27	Retry after 4 days	❌	✅
28	Retry after 6 days	❌	✅
29	Retry after 8 days	❌	✅
30	Retry after 10 days	❌	✅

Where to find the MAC:

The following screenshot shows the Merchant Advice Code in the BIP:

The API response also contains the Merchant Advice Code, as seen in the following code snippet:

"AcquirerResponse":"94","reconciliationId":"0220:79removedCCB937","MerchantAdviceCode":"00"},"card":{"bin":"removed","last4Digits":"removed","holder":"Peach","expiryMonth":"removed","expiryYear":"removed"},"authentication":{"entityId":"removed"},"redirect":{"parameters":[]},"risk":{"score":"0"},"timestamp":"2024-09-11 13:04:17+0000","ndc":"removed","merchantAccountId":"removed","channelName":"Peach Support removed","source":"removed","paymentMethod":"CC","shortId":"removed"}}

The following table documents the scheme codes and which categories they belong to. For more information, please see the attached documentation provided by Visa and Mastercard.

Visa acquirer response code	Mastercard acquirer response code	Peach response code	Response description	Category
00	00	000.000.000	Approved or completed successfully	N/A
01	01	800.100.152	Refer to card issuer	Category 4
02	02	800.100.152	Refer to card issuer, special condition	Category 2
03	03	800.100.190	Invalid merchant	Category 2
04	04	800.100.171	Pick-up card	Category 1
05	05	800.100.152	Do not honor	Category 4
06	06	800.100.152	Error	Category 4
07	07	800.100.171	Pick-up card, special condition	Category 1
08	08		Honor with identification	Category 4
09	09	800.100.152	Request in progress	Category 4
10	10		Approved for partial amount	N/A
11	11		Approved (VIP)	N/A
12	12	800.100.154	Invalid transaction	Category 1
13	13	800.100.174	Invalid amount	Category 4
14	14	800.100.151	Invalid card number (No such number)	Category 1
15	15	800.100.152	No such issuer	Category 1
16	16		Approved, update track 3	N/A
17	17	800.100.152	Customer cancellation	Category 4
18	18	800.100.152	Customer dispute	Category 4
19	19	800.100.152	Re-enter transaction	Category 2
20	20	800.100.152	Invalid response	Category 4
21	21	800.100.152	No action taken	Category 4
22	22	800.100.152	Suspected malfunction	Category 4
23	23	800.100.152	Unacceptable transaction fee	Category 4
24	24	800.100.152	File update not supported	Category 4
25	25	800.100.167	Unable to locate record on file	Category 4
26	26	800.100.152	Duplicate record	Category 4
27	27	800.100.152	File update field edit error	Category 4
28	28	800.100.152	File update file locked	Category 4
29	29	800.100.152	File update failed	Category 4
30	30	800.100.156	Format error	Category 4
31	31	800.100.152	Bank not supported	Category 4
32	32	800.100.152	Completed partially	Category 4
33	33	800.100.157	Expired card, pick-up	Category 4
34	33	800.100.158	Suspected fraud, pick-up	Category 4
35	25	800.100.152	Contact acquirer, pick-up	Category 4
36	36	800.100.168	Restricted card, pick-up	Category 4
37	37	800.100.152	Call acquirer security, pick-up	Category 4
38	38	800.100.178	PIN tries exceeded, pick-up	Category 4
39	39	800.100.152	No credit account	Category 2
40	40	800.100.152	Function not supported	Category 4
41	41	800.100.165	Lost card, pick-up	Category 1
42	42	800.100.152	No universal account	Category 4
43	43	800.100.159	Stolen card, pick-up	Category 1
44	44	800.100.152	No investment account	Category 4
45	N/A		Account closed	Category 4
46	N/A		Identification required	Category 1
47	N/A		Identification cross-check required	Category 4
48	N/A		No customer record	Category 4
51	51	800.100.155	Not sufficient funds	Category 2
52	52	800.100.152	No check account	Category 2
53	53	800.100.152	No savings account	Category 2
54	54	800.100.157	Expired card	Category 3
55	55	800.100.166	Incorrect PIN	Category 3
56	56	800.100.152	No card record	Category 4
57	57	800.100.170	Transaction not permitted to cardholder	Category 1
58	58	800.100.170	Transaction not permitted on terminal	Category 4
59	59	800.100.158	Suspected fraud	Category 2
60	60	800.100.152	Contact acquirer	Category 4
61	61	800.100.162	Exceeds withdrawal limit	Category 2
62	62	800.100.168	Restricted card	Category 2
63	63	800.100.153	Security violation	Category 4
64	64	800.100.152	Original amount incorrect	Category 4
65	65	800.100.163	Exceeds withdrawal frequency	Category 2
66	66	800.100.152	Call acquirer security	Category 4
67	67	800.100.160	Hard capture	Category 4
68	68	900.100.400	Response received too late	Category 4
69	N/A	900.100.400	Advice received too late	Category 4
70	N/A		[Europe Region only] PIN data required	Category 3
75	75	800.100.161	PIN tries exceeded	Category 2
76	76		Key synchronization error	Category 4
77	77	800.100.152	Intervene, bank approval required	Category 4
78	78	800.100.152	Intervene, bank approval required for partial amount Visa Reason Code description: Blocked, first used or special condition [account is temporarily blocked]	Category 2
N/A	79		Invalid digital signature	Category 4
N/A	80		Stale dated transaction	Category 4
N/A	81	800.100.100	Issuer requested standin	Category 4
N/A	82		Count exceeds limit	Category 3
N/A	83		Reserved for private use	Category 4
N/A	84		Time limit for pre-authorization reached	Category 4
N/A	85		Issuer has no reason to decline the transaction	N/A
86	N/A		Cannot verify PIN	Category 2
N/A	87		Check already posted	N/A
N/A	88		Information not on file	Category 4
N/A	89		Card verification value (CVV) verification failed (no pickup)	Category 4
90	90	800.100.152	Cut-off in progress	Category 4
91	91	900.100.400	Issuer or switch inoperative	Category 2
92	92	800.100.152	Routing error	Category 4
93	93	800.100.152	Violation of law	Category 2
94	94	800.110.100	Duplicate transaction	Category 4
95	95	800.100.152	Reconcile error	Category 4
96	96	900.100.600	System malfunction	Category 2
1A	1A		[Europe Region only] Additional customer authentication required	Category 3
6P	6P		Verification Failed (Cardholder ID does not match Issuer records	Category 3
N3	N3		Cash service not available	Category 2
N4	N4		Cash request exceeds issuer or approve limit	Category 2
N7	N7		Decline for CVV2 Failure	Category 3
R0	R0		Stop Payment Order	Category 1
R1	R1		Revocation of Authorisation order	Category 1
R3	R3		Revocation of all Authorisation orders	Category 1
Z5	N/A		Valid account but amount not supported	Category 2

Payment Excellence Best Practices - Excessive Attempts Guidelines Print

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