Soft declines, hard declines and what each one tells you about the next step.
Soft declines
Temporary issues like insufficient funds or issuer unavailability may succeed if retried later or with authentication.
Hard declines
Responses such as stolen or closed card should never be retried. Doing so can trigger scheme penalties.
Using the data
Grouping declines by reason highlights fixable problems such as missing data or misconfigured recurring flags.
Accept cards and wallets with Finoptiq
Visa, Mastercard, Apple Pay and Google Pay through one integration.
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