Decline Reason Code | Network Tokenization Impact |
---|---|
not_sufficient_funds | Issuers may misclassify a small percentage of transactions as insufficient funds due to risk reasons. Network tokens can allow them to be more accurate. |
do_not_honor and refer_to_issuer | Some percentage of these types of declines are really hiding other issues – especially on credit cards. Network Tokenization is a more secure transaction, therefore allowing issuers to accept more transactions confidently. |
invalid_transaction | Issuers may classify a transaction as invalid for a number of reasons. Network tokenization can eliminate some of the underlying reasons for declining transactions. |
invalid_account_no_number, pick_up_card, and expired_card | With network tokenization there should be no invalid account numbers. |