Manage subscription retries
This guide is for developers who want to understand and to be compliant with subscription retries.
Efficient and compliant retry logic on subscriptions
One of the most common reasons for a transaction rejection is insufficient funds. However, there are also other reasons a subscription might not be charged.
By analysing the data from each transaction, you can increase your chances for success and remain compliant with retry policies from payment schemes like Visa and MasterCard.
If the decline is due to a technical issue, you would like to retry the charge, later or during the next few days.
If the decline is due to insufficient funds, you can retry a few days later or even identify main pay day in your market and retry accordingly.
Alternatively, if the decline is due to a card tagged as lost or stolen by the issuer, there is no point retrying the payment.
An optimised retry mechanism is therefore necessary, and for each charge attempt, Nets Easy provides you with the decline response codes that you need to consider.
Re-attempt can be forbidden
You should never re-attempt transactions whenever you get the below response code. Retrying charge could lead to fines from Visa or MasterCard.
See the following response codes in the table below:
|5||Do not honour|
|7||Pick up card, special condition (fraud account)|
|14||Invalid account number (no such number)|
|92||No such issuer (first 8 digit of account number do not relate to an issuer identifier)|
|41||Lost card, pick up|
|43||Stolen card, pick up|
|57||Transaction not permitted to cardholder|
|3||Stop payment order|
|3||Revocation of authorization order|
|3||Revocation of all authorization order|
In addition, for all other response codes you should not attempt more than 14 retries for one failed charge.
Nets Easy may blacklist the card and block all future retry attempts.
Where to get the response code?
You can get the decline reason (response code) via either:
- looking into the Nets Easy portal (Declined payments – Decline reason – Action code)