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Mapping to Visa system integrity fee categories

For your retry logic, map raw responses to Visa fee categories related to excessive retries and data quality.

To encourage businesses to comply with certain processing standards, Visa charges system integrity fees. These fees are related to excessive retries of failed transactions, and excessive numbers of transactions that failed due to incorrect payment details. The Adyen risk engine helps to avoid such fees.

If you have built your own retry logic, in order to avoid Visa system integrity fees, you need to identify if you can or cannot retry a failed Visa transaction. To do this, you can use the raw response from your transaction responses. The raw response maps to categories that Visa uses to determine the fees.

Requirements

Requirement Description
Integration type An online payments integration.
Setup steps Before you begin, in your Customer Area enable receiving raw responses.

Categories of system integrity fees

The Visa system integrity fees consist of two fee types:

  • An excessive retry fee for failed transactions that are retried too many times.
  • A data quality fee that is applied if the number of transactions that failed because you provided incorrect data exceeds a monthly threshold.

To calculate those fees, Visa divides failed transactions into four categories. Each category has specific rules for the type of fee that is applied and how many retries are allowed. The category that a failed transaction belongs to, is indicated using the raw response.

  • Category 1: Issuer will not approve
    Transactions are declined with a raw response in category 1 if a retry will never succeed. This is the case, for example, when the card is blocked, lost, or stolen, or never existed.

    Do not retry the transaction. Visa charges an excessive retry fee if you retry the transaction.

  • Category 2: Issuer cannot approve at this time
    Transactions are declined with a raw response in category 2 if it is possible that a retry will succeed later. This is the case, for example, if there was a system failure or if the cardholder had insufficient funds.

    You can retry the transaction up to 15 times in a 30-day period. Visa charges excessive retry fees if you exceed this limit.

  • Category 3: Issuer cannot approve with these details
    Transactions are declined with a raw response in category 3 if there was something wrong with the provided card details. This is the case, for example, if the account number, CVV, or expiry date is incorrect.

    You can retry the transaction up to 15 times in a 30-day period. Visa charges excessive retry fees and data quality fees if you exceed this limit.

  • Category 4: Generic response codes
    This category is for transactions that are declined with a raw response that does not belong to any of the other categories. The most frequent refusal reason, 05: Do not honor, falls into this category.

    You can retry the transaction up to 15 times in a 30-day period. Visa charges excessive retry fees if you exceed this limit.

Mapping of raw responses to categories

When receiving raw responses is enabled in your Customer Area, the transaction responses contain:

  • refusalCodeRaw (only available for Visa and Mastercard transactions through our own acquiring platform): the numeric part of the raw response. This represents the underlying scenario that caused the transaction to fail.
  • refusalReasonRaw: the full raw response including the raw refusal code.

The following table shows the mapping of raw refusal codes and reasons to the four categories of Visa system integrity fees.

refusalCodeRaw refusalReasonRaw Retry?
Category 1: Issuer will not approve
04 04: Pickup card -x-
07 07: Pickup card, special conditions -x-
12 12: Invalid transaction -x-
14 14: Invalid Account Number (No such Number) -x-
15 15: No such issuer -x-
41 41: Pickup card (lost card) -x-
43 43: Pickup card (stolen card) -x-
46 46: Closed Account -x-
57 57: Transaction not permitted to cardholder -x-
R0 R0: Stop payment order -x-
R1 R1: Revocation of authorization order -x-
R3 R3: Revocation of all authorization -x-
Category 2: Issuer cannot approve at this time
03 03: Invalid merchant Max 15x in 30 days
19 19: Re-enter transaction Max 15x in 30 days
51 51: Insufficient funds Max 15x in 30 days
59 59: Suspected fraud Max 15x in 30 days
61 61: Exceeds withdrawal amount limits Max 15x in 30 days
62 62: Restricted card Max 15x in 30 days
65 65: Exceeds withdrawal frequency Max 15x in 30 days
75 75: Allowable number of PIN-entry tries exceeded Max 15x in 30 days
78 78: Blocked, First Used Max 15x in 30 days
86 86: ATM malfunction Max 15x in 30 days
91 91: Issuer or switch is inoperative Max 15x in 30 days
93 93: Transaction cannot be completed Max 15x in 30 days
96 96: System malfunction Max 15x in 30 days
N3 N3: Cash service not available Max 15x in 30 days
N4 N4: Cash request exceeds issuer limit Max 15x in 30 days
Category 3: Issuer cannot approve with these details
14 14: Invalid account number (No such Number) Max 15x in 30 days
54 54: Expired card Max 15x in 30 days
55 55: Incorrect PIN Max 15x in 30 days
82 82: Negative Online CAM, dCVV, iCVV, or CVV results Max 15x in 30 days
N7 N7: Decline for CVV2 failure Max 15x in 30 days
1A 1A: Additional customer authentication required Max 15x in 30 days
70 70: PIN data required Max 15x in 30 days
Category 4: Generic response codes
Any failed transaction with a raw refusal code not listed in the other categories. Max 15x in 30 days

See also