To reduce your Visa fee associated with Category 3 response codes (Issuer cannot approve based on details provided), try the following:
- Review and improve the quality of your transaction data.
- Implement validation checks and monitor decline patterns to identify and address common data issues. Consider using the Integration Health solution.
- Consider using the Remember Me solution, if applicable.
These transactions may be declined due to:
- Expired card
- Incorrect PIN
- No security model
- 3D Secure authentication required
- Cardholder ID verification failed
- Security violation