To reduce your Visa retry fee associated with Category 2 response codes (Issuer cannot approve at this time), try the following:
-
Review your past transaction data to see where you exceeded the retry limit and which accounts or segments are most affected.
-
Monitor reattempts per transaction ID and set a limit to not exceed 15 retries in a 30-day period per declined transaction.
-
Stagger retries to allow temporary issues to resolve.
These transactions may be declined due to issues such as:
-
Blocked card
-
Credit risk
-
Insufficient funds
-
Issuer velocity rule
-
Over credit limit