Declines

Payment transactions through Ansa might fail for several reasons when a customer funds their wallet or makes a purchase with their wallet balance.

• There are issues with the API parameters or payment data
• Ansa blocks a payment due to risk assessment
• The payment may have been declined by the card issuer or payment processor

Incorrect API parameters and payment data

Ansa APIs offer a comprehensive guide to error codes and decline categories. Use this guide to manage payment declines and communicate useful messages to customers.

Blocked payments

Ansa may block a payment when we determine a risk. See risk management.

Declines by payment processor or card issuer

Issuer Declines

When a charge is submitted to your customer’s card issuer, their automated systems and models analyze various signals to determine whether or not to authorize it. These signals include your customer’s spending habits, account balance, and card information such as the expiration date, address information, and CVC. Requiring customers to provide their CVC and postal code when checking out can significantly reduce the number of declines you experience.

Risk Declines

Your payment processor evaluates transactions and decides whether to approve or decline a charge based on the level of risk. Depending on your payment processor, you can set these risk thresholds to determine when to accept or reject a transaction.

In both cases, Ansa will try to provide as much information as possible to explain the decline. When investigating generic or Do Not Honor declines, looking at the associated data can help to understand why the card may have been declined. For instance, if there were issues with the CVC or AVS checks when adding the card, fixing those issues and then trying the charge again may lead to a successful authorization.