FAQs - General

1. If we see the response as “Invalid Credentials“ in ConfirmPayment Call, what does it mean?

This means that the gateway credentials added in the Gateway details are incorrect.

2. Question: Why might a transaction be declined after multiple attempts in a short period, and how can this be avoided, particularly regarding token transactions, issuer limitations, and the timeframe for these limitations?

   Answer: Transactions may be declined after multiple attempts in a short period due to issuers implementing preventive measures against potential fraud. Issuers have specific rules to detect and prevent suspicious activity, often flagging multiple quick attempts—whether using card details or token transactions—as unusual, leading to temporary declines to ensure card security. To avoid such declines, users can try using a different IP address, device, or alternative contact details (like a different email or phone number) to bypass security triggers set by the issuer. The timeframe for these limitations varies among issuers, depending on their fraud detection protocols, and is designed to protect against potential fraudulent activity.