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Supported Soft Decline Authorization Response Codes in the EU Region
The table outlines the soft-decline authorization response codes (ARC) supported by
various card types in the EU region.
Card Type | Soft Decline Authorization Response
Code | Action Based on Response Code | CAS Test Trigger
Amount |
|---|---|---|---|
American Express | 1A | Device switches to contact payment interface (for ARC
12 ), when supported, Cardholder is prompted to
insert payment card into terminal. If not supported, the transaction is
declined. | 4128.00 |
Parsing information: ARC =
12 (EMV Reply Tag 91, last two bytes) | |||
American Express | 1A | Device prompts cardholder for online PIN (for ARC
13 ). Original authorization request is resubmitted
with online PIN. Include this REST API field and value in the request:
pointOfSaleInformation.emv.isRepeat =true . | 4128.00 |
Parsing information: ARC =
13 (EMV Reply Tag 91, last two bytes) | |||
Mastercard | 65 | Device switches to contact payment interface, when supported.
Cardholder is prompted to insert payment card into terminal. If not
supported, the transaction is declined. | 4065.00 |
Mastercard, Visa | 70 | Device prompts cardholder for online PIN. Original authorization
request is resubmitted with online PIN. Include this REST API field and
value in the request:
pointOfSaleInformation.emv.isRepeat =true . | 6825.22 |
Visa | 1A | Device switches to contact payment interface, when supported.
Cardholder is prompted to insert payment card into terminal. If not
supported, the transaction is declined. | 4128.00 |