Transaction Decline reasons - Action

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EMV Chip Issue (euro pay MasterCard Visa): Chip Validation Failed

This issue has been fixed permanently. 

High-risk merchant

Info to be given - Canned I am really sorry for the inconvenience, and I'm afraid this merchant has been marked as a high-risk merchant by the bank. In the case of high-risk merchants, the banks generally don't allow you to make the payment to protect you from the payment risks. In most cases, the bank would give you a pop-up informing you about the risk factor before the payment. You can approve or deny the same based on how you'd like to go ahead with the payment. In case the payment fails even after the approval, I'm afraid it's because the risk factor of the merchant is just too high for the bank. We regret the hassle.

SI authentication

Info to be given - Canned  Thanks for your patience!

This is to inform you about the standing instruction payments (SI/auto-debit payments) that you were trying to make with (merchant name). On checking, we noticed that the merchant that you were making the payment to is unfortunately not integrated with the SI Hub for standing instructions. This is the reason why your payments were getting rejected.

As per the recent RBI guidelines, merchant integration with SI Hub is mandatory for the auto-debits to go through. SI-Hub is an industry-wide platform for banks to facilitate e-mandates (standing instructions) on recurring card transactions. Nothing to worry about; this would not affect your one-time payments with this merchant.

We would recommend that you kindly delete the card details that you have added to the merchant’s site for SI payments. This would avoid any further rejections due to this issue. You can then try a one-time payment to avail of their services.

Hope this helps! Please let us know if you have any further queries in this regard.

We regret any hassles.

Error Timed out

Info to be given - Canned

Apologies for the inconvenience. It seems your transaction timed out. We recommend waiting for 30 minutes to 1 hour and then attempting the transaction again. If the issue persists after this period, please contact our support team for further assistance. Thank you for your patience.

Unknown txn error 183

L1: Create a ticket & assign to supervise group

06 error

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Invalid PIN/CVV/CVV2

Info to be given - Canned 

We regret to inform you that your transaction was declined due to an invalid or incorrect PIN. Please double-check the PIN you entered and ensure it matches the one associated with your account. If the issue persists, consider resetting your PIN through the card settings option on the Niyo Global application.

 - Cx claims PIN is correct: Inform user to reset PIN. If the user returns: check in the activity log to confirm, if valid, L1: Create a ticket & assign to supervise group

- Invalid CVV: Recheck and try. If the issue persists, L1: Create a ticket & assign to supervise group - Invalid CVV2:  L1: Create a ticket & assign to supervise group

Moto Payments (Tele order/payment) Card info is shared with a third party.

Info to be given - Canned

We regret to inform you that your recent transaction was declined due to the nature of the payment, categorized as 'Moto payments,' where the card is not physically present during the transaction. To maintain account security, the bank has disabled Moto transactions, as they are initiated by merchants or business owners over mail or telephone, not by cardholders. This measure is taken to prevent potential misuse. 

Dynamic Currency Conversion (DCC)

Info to be given - Canned

The decline you're seeing is due to a DCC (dynamic currency conversion) error. This occurs when you attempt to use INR (home currency) while abroad. To resolve this, kindly make transactions in the local foreign currency instead of your home currency. We've disabled this feature due to forex conversion markup. If you have any further questions or need assistance, please feel free to ask. We're here to help!

Customer opted for trxn decline

Check channel locks and inform accordingly

Contactless limit exceeded

I apologize, but it appears that your tap and pay transaction was declined due to reaching the limit of 5000. You can view your card limits on the savings tab > card setting

Yearly limit exceeded (ATM, POS, ECOMM)

In case the user asks for exact details of how the limit is exceeded L1: Create a ticket & assign to supervise group 

Insufficient Funds 116

L1: Create a ticket & assign to supervise group 

ANY OTHER ERROR CODES THAT ARE NOT MENTIONED HERE

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