What is it?
The Card Schemes have introduced rules for transaction retries and fraud prevention. These rules are intended to reduce fraudulent activity thus improving payment performance. The PDRC value provides more detailed information on what action can be taken on a declined transaction.
Merchants will see an additional field in their response named rtAdviceCode, and an additional field in the transaction receipt labelled Merchant Advice.
| rtAdviceCode | Message | Details |
|
0 |
Nothing returned |
No rtAdviceCode was returned by the Acquirer. |
|
01 |
New account information available |
Account information is incorrect or has changed - declined by the card issuer. You should contact the cardholder before reattempting. |
|
02 |
Cannot approve at this time, try again later |
You can try to resubmit the transaction. It is likely that the cardholder does not have enough funds and you should pause for a period and then resubmit the transaction. |
|
03 |
Do not try again |
Must not resubmit the transaction in any circumstances. |
|
04 |
Payment Cancellation |
Do not resubmit transaction, this indicates a final decline. |
Should a Payment Decline Reason Code be returned on any transaction, the Merchant is responsible for adhering to the permitted retry instructions.
The PDRC values will depend on what is supported by your Acquirer.
If you are unsure of what values are supported, please contact your Acquirer.
Where can I find this in the Merchant Management System (MMS)?
The Transaction Receipt within the MMS transactions tab contains the rtAdviceCode in the field Merchant Advice. This will aid Merchants when reviewing what action they should take.
We will return an rtAdviceCode of Unknown (No advice available) when an rtAdviceCode is not received from the Acquirer.
How do I use it?
How you use it depends on if you are using our Recurring Transaction System or handling your own recurring transactions.
If you are using our Recurring Transaction Agreement (RTA) system
Logic has been implemented to stop retrying a failed RTA if the rtAdviceCode sent by the Acquirer instructs us to.
- If the rtAdviceCode is 2 the recurring transaction will be reattempted depending on what the Merchant has set in the MMS RT Agreements section under Payment Retries.
- If the rtAdviceCode is any number other than 2 or 0 the recurring transaction agreement will be stopped.
If you are handling your own recurring transactions
Using the rtAdviceCode you need to understand why the transaction was declined and then consider whether it is appropriate to resubmit it. You must implement your own logic based on the rtAdviceCode value that is returned in the response.
Why is it important?
Fees may be applied to non-compliant Merchants by the Card Schemes if you regularly resubmit previously declined authorisations. Visa and Mastercard may charge for each retry from the same Merchant within 30 days of a final decline response.
Please contact your Acquirer should you have any queries relating to non-compliance fines.
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