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