{"title":"Mapping to Visa system integrity fee categories","category":"default","creationDate":1779620072,"content":"<p>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.<\/p>\n<p>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.<\/p>\n<h2>Requirements<\/h2>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Requirement<\/th>\n<th style=\"text-align: left;\">Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><strong>Integration type<\/strong><\/td>\n<td style=\"text-align: left;\">An <a href=\"\/online-payments\/build-your-integration\/\">online payments<\/a> integration.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong>Setup steps<\/strong><\/td>\n<td style=\"text-align: left;\">Before you begin, in your Customer Area <a href=\"\/development-resources\/raw-acquirer-responses#receive-raw-responses\">enable receiving raw responses<\/a>.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"categories\">Categories of system integrity fees<\/h2>\n<p>The Visa system integrity fees consist of two fee types:<\/p>\n<ul>\n<li>An <strong>excessive retry fee<\/strong> for failed transactions that are retried too many times.<\/li>\n<li>A <strong>data quality fee<\/strong> that is applied if the number of transactions that failed because you provided incorrect data exceeds a monthly threshold.<\/li>\n<\/ul>\n<p>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.<\/p>\n<ul>\n<li>\n<p><strong>Category 1: Issuer will not approve<\/strong><br \/>\nTransactions 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.<\/p>\n<p>Do not retry the transaction. Visa charges an excessive retry fee if you retry the transaction.<\/p>\n<\/li>\n<li>\n<p><strong>Category 2: Issuer cannot approve at this time<\/strong><br \/>\nTransactions 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.<\/p>\n<p>You can retry the transaction up to 15 times in a 30-day period. Visa charges excessive retry fees if you exceed this limit.<\/p>\n<\/li>\n<li>\n<p><strong>Category 3: Issuer cannot approve with these details<\/strong><br \/>\nTransactions 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.<\/p>\n<p>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.<\/p>\n<\/li>\n<li>\n<p><strong>Category 4: Generic response codes<\/strong><br \/>\nThis 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, <span translate=\"no\"><strong>05: Do not honor<\/strong><\/span>, falls into this category.<\/p>\n<p>You can retry the transaction up to 15 times in a 30-day period. Visa charges excessive retry fees if you exceed this limit.<\/p>\n<\/li>\n<\/ul>\n<h2>Mapping of raw responses to categories<\/h2>\n<p>When receiving raw responses is enabled in your Customer Area, the transaction responses contain:<\/p>\n<ul>\n<li><code>refusalCodeRaw<\/code> (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.<\/li>\n<li><code>refusalReasonRaw<\/code>: the full raw response including the raw refusal code.<\/li>\n<\/ul>\n<p>The following table shows the mapping of raw refusal codes and reasons to the four categories of Visa system integrity fees.<\/p>\n<div class=\"sticky-table-container\">\n    \n<table>\n<thead>\n<tr>\n<th><code>refusalCodeRaw<\/code><\/th>\n<th><code>refusalReasonRaw<\/code><\/th>\n<th style=\"text-align:center\">Retry?<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td colspan=\"3\"><strong>Category 1: Issuer will not approve<\/strong><\/td>\n<\/tr>\n<tr>\n  <td>04<\/td>\n  <td><span translate=\"no\">04: Pickup card<\/span><\/td>\n  <td style=\"text-align:center\"><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/td>\n<\/tr>\n<tr>\n  <td>07<\/td>\n  <td><span translate=\"no\">07: Pickup card, special conditions<\/span><\/td>\n  <td style=\"text-align:center\"><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/td>\n<\/tr>\n<tr>\n  <td>12<\/td>\n  <td><span translate=\"no\">12: Invalid transaction<\/span><\/td>\n  <td style=\"text-align:center\"><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/td>\n<\/tr>\n<tr>\n  <td>14<\/td>\n  <td><span translate=\"no\">14: Invalid Account Number (No such Number)<\/span><\/td>\n  <td style=\"text-align:center\"><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/td>\n<\/tr>\n<tr>\n  <td>15<\/td>\n  <td><span translate=\"no\">15: No such issuer<\/span><\/td>\n  <td style=\"text-align:center\"><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/td>\n<\/tr>\n<tr>\n  <td>41<\/td>\n  <td><span translate=\"no\">41: Pickup card (lost card)<\/span><\/td>\n  <td style=\"text-align:center\"><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/td>\n<\/tr>\n<tr>\n  <td>43<\/td>\n  <td><span translate=\"no\">43: Pickup card (stolen card)<\/span><\/td>\n  <td style=\"text-align:center\"><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/td>\n<\/tr>\n<tr>\n  <td>46<\/td>\n  <td><span translate=\"no\">46: Closed Account<\/span><\/td>\n  <td style=\"text-align:center\"><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/td>\n<\/tr>\n<tr>\n  <td>57<\/td>\n  <td><span translate=\"no\">57: Transaction not permitted to cardholder<\/span><\/td>\n  <td style=\"text-align:center\"><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/td>\n<\/tr>\n<tr>\n  <td>R0<\/td>\n  <td><span translate=\"no\">R0: Stop payment order<\/span><\/td>\n  <td style=\"text-align:center\"><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/td>\n<\/tr>\n<tr>\n  <td>R1<\/td>\n  <td><span translate=\"no\">R1: Revocation of authorization order<\/span><\/td>\n  <td style=\"text-align:center\"><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/td>\n<\/tr>\n<tr>\n  <td>R3<\/td>\n  <td><span translate=\"no\">R3: Revocation of all authorization<\/span><\/td>\n  <td style=\"text-align:center\"><img title=\"-x-\" alt=\"-x-\" class=\"smileys\" src=\"\/user\/data\/smileys\/emoji\/x.png\" \/><\/td>\n<\/tr>\n<tr>\n<td colspan=\"3\"><strong>Category 2: Issuer cannot approve at this time<\/strong><\/td>\n<\/tr>\n<tr>\n  <td>03<\/td>\n  <td><span translate=\"no\">03: Invalid merchant<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>19<\/td>\n  <td><span translate=\"no\">19: Re-enter transaction<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>51<\/td>\n  <td><span translate=\"no\">51: Insufficient funds<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>59<\/td>\n  <td><span translate=\"no\">59: Suspected fraud<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>61<\/td>\n  <td><span translate=\"no\">61: Exceeds withdrawal amount limits<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>62<\/td>\n  <td><span translate=\"no\">62: Restricted card<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>65<\/td>\n  <td><span translate=\"no\">65: Exceeds withdrawal frequency<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>75<\/td>\n  <td><span translate=\"no\">75: Allowable number of PIN-entry tries exceeded<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>78<\/td>\n  <td><span translate=\"no\">78: Blocked, First Used<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>86<\/td>\n  <td><span translate=\"no\">86: ATM malfunction<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>91<\/td>\n  <td><span translate=\"no\">91: Issuer or switch is inoperative<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>93<\/td>\n  <td><span translate=\"no\">93: Transaction cannot be completed<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>96<\/td>\n  <td><span translate=\"no\">96: System malfunction<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>N3<\/td>\n  <td><span translate=\"no\">N3: Cash service not available<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>N4<\/td>\n  <td><span translate=\"no\">N4: Cash request exceeds issuer limit<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n<td colspan=\"3\"><strong>Category 3: Issuer cannot approve with these details<\/strong><\/td>\n<\/tr>\n<tr>\n  <td>14<\/td>\n  <td><span translate=\"no\">14: Invalid account number (No such Number)<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>54<\/td>\n  <td><span translate=\"no\">54: Expired card<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>55<\/td>\n  <td><span translate=\"no\">55: Incorrect PIN<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>82<\/td>\n  <td><span translate=\"no\">82: Negative Online CAM, dCVV, iCVV, or CVV results<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>N7<\/td>\n  <td><span translate=\"no\">N7: Decline for CVV2 failure<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>1A<\/td>\n  <td><span translate=\"no\">1A: Additional customer authentication required<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n  <td>70<\/td>\n  <td><span translate=\"no\">70: PIN data required<\/span><\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<tr>\n<td colspan=\"3\"><strong>Category 4: Generic response codes<\/strong><\/td>\n<\/tr>\n<tr>\n  <td colspan=\"2\">Any failed transaction with a raw refusal code not listed in the other categories.<\/td>\n  <td style=\"text-align:center\">Max 15x in 30\u00a0days<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div>\n\n<h2>See also<\/h2>\n<div class=\"see-also-links output-inline\" id=\"see-also\">\n<ul><li><a href=\"https:\/\/help.adyen.com\/en_US\/knowledge\/finance\/invoices\/what-are-non-transactional-scheme-fees?target=_blank\"\n                        target=\"_blank\"\n                         class=\"external\">\n                    What are Non-Transactional scheme fees?\n                <\/a><\/li><li><a href=\"\/development-resources\/raw-acquirer-responses\/\"\n                        target=\"_self\"\n                        >\n                    Raw responses\n                <\/a><\/li><li><a href=\"\/risk-management\/\"\n                        target=\"_self\"\n                        >\n                    Risk management\n                <\/a><\/li><\/ul><\/div>\n","url":"https:\/\/docs.adyen.com\/development-resources\/raw-acquirer-responses\/visa-integrity-fees","articleFields":{"description":"For your retry logic, map raw responses to Visa fee categories related to excessive retries and data quality.","type":"page","_expandable":{"operations":""}},"algolia":{"url":"https:\/\/docs.adyen.com\/development-resources\/raw-acquirer-responses\/visa-integrity-fees","title":"Mapping to Visa system integrity fee categories","content":"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.\nIf 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.\nRequirements\n\n\n\nRequirement\nDescription\n\n\n\n\nIntegration type\nAn online payments integration.\n\n\nSetup steps\nBefore you begin, in your Customer Area enable receiving raw responses.\n\n\n\nCategories of system integrity fees\nThe Visa system integrity fees consist of two fee types:\n\nAn excessive retry fee for failed transactions that are retried too many times.\nA data quality fee that is applied if the number of transactions that failed because you provided incorrect data exceeds a monthly threshold.\n\nTo 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.\n\n\nCategory 1: Issuer will not approve\nTransactions 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.\nDo not retry the transaction. Visa charges an excessive retry fee if you retry the transaction.\n\n\nCategory 2: Issuer cannot approve at this time\nTransactions 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.\nYou can retry the transaction up to 15 times in a 30-day period. Visa charges excessive retry fees if you exceed this limit.\n\n\nCategory 3: Issuer cannot approve with these details\nTransactions 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.\nYou 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.\n\n\nCategory 4: Generic response codes\nThis 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.\nYou can retry the transaction up to 15 times in a 30-day period. Visa charges excessive retry fees if you exceed this limit.\n\n\nMapping of raw responses to categories\nWhen receiving raw responses is enabled in your Customer Area, the transaction responses contain:\n\nrefusalCodeRaw (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.\nrefusalReasonRaw: the full raw response including the raw refusal code.\n\nThe following table shows the mapping of raw refusal codes and reasons to the four categories of Visa system integrity fees.\n\n    \n\n\n\nrefusalCodeRaw\nrefusalReasonRaw\nRetry?\n\n\n\n\nCategory 1: Issuer will not approve\n\n\n  04\n  04: Pickup card\n  \n\n\n  07\n  07: Pickup card, special conditions\n  \n\n\n  12\n  12: Invalid transaction\n  \n\n\n  14\n  14: Invalid Account Number (No such Number)\n  \n\n\n  15\n  15: No such issuer\n  \n\n\n  41\n  41: Pickup card (lost card)\n  \n\n\n  43\n  43: Pickup card (stolen card)\n  \n\n\n  46\n  46: Closed Account\n  \n\n\n  57\n  57: Transaction not permitted to cardholder\n  \n\n\n  R0\n  R0: Stop payment order\n  \n\n\n  R1\n  R1: Revocation of authorization order\n  \n\n\n  R3\n  R3: Revocation of all authorization\n  \n\n\nCategory 2: Issuer cannot approve at this time\n\n\n  03\n  03: Invalid merchant\n  Max 15x in 30\u00a0days\n\n\n  19\n  19: Re-enter transaction\n  Max 15x in 30\u00a0days\n\n\n  51\n  51: Insufficient funds\n  Max 15x in 30\u00a0days\n\n\n  59\n  59: Suspected fraud\n  Max 15x in 30\u00a0days\n\n\n  61\n  61: Exceeds withdrawal amount limits\n  Max 15x in 30\u00a0days\n\n\n  62\n  62: Restricted card\n  Max 15x in 30\u00a0days\n\n\n  65\n  65: Exceeds withdrawal frequency\n  Max 15x in 30\u00a0days\n\n\n  75\n  75: Allowable number of PIN-entry tries exceeded\n  Max 15x in 30\u00a0days\n\n\n  78\n  78: Blocked, First Used\n  Max 15x in 30\u00a0days\n\n\n  86\n  86: ATM malfunction\n  Max 15x in 30\u00a0days\n\n\n  91\n  91: Issuer or switch is inoperative\n  Max 15x in 30\u00a0days\n\n\n  93\n  93: Transaction cannot be completed\n  Max 15x in 30\u00a0days\n\n\n  96\n  96: System malfunction\n  Max 15x in 30\u00a0days\n\n\n  N3\n  N3: Cash service not available\n  Max 15x in 30\u00a0days\n\n\n  N4\n  N4: Cash request exceeds issuer limit\n  Max 15x in 30\u00a0days\n\n\nCategory 3: Issuer cannot approve with these details\n\n\n  14\n  14: Invalid account number (No such Number)\n  Max 15x in 30\u00a0days\n\n\n  54\n  54: Expired card\n  Max 15x in 30\u00a0days\n\n\n  55\n  55: Incorrect PIN\n  Max 15x in 30\u00a0days\n\n\n  82\n  82: Negative Online CAM, dCVV, iCVV, or CVV results\n  Max 15x in 30\u00a0days\n\n\n  N7\n  N7: Decline for CVV2 failure\n  Max 15x in 30\u00a0days\n\n\n  1A\n  1A: Additional customer authentication required\n  Max 15x in 30\u00a0days\n\n\n  70\n  70: PIN data required\n  Max 15x in 30\u00a0days\n\n\nCategory 4: Generic response codes\n\n\n  Any failed transaction with a raw refusal code not listed in the other categories.\n  Max 15x in 30\u00a0days\n\n\n\n\n\n\nSee also\n\n\n                    What are Non-Transactional scheme fees?\n                \n                    Raw responses\n                \n                    Risk management\n                \n","type":"page","locale":"en","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Development resources","lvl2":"Raw responses","lvl3":"Mapping to Visa system integrity fee categories"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/development-resources","lvl2":"https:\/\/docs.adyen.com\/development-resources\/raw-acquirer-responses","lvl3":"\/development-resources\/raw-acquirer-responses\/visa-integrity-fees"},"levels":4,"category":"Development Resources","category_color":"green","tags":["Mapping","system","integrity","categories"]}}