What is meant by an Authorized Risk Decline transaction?
Question: What is meant by an Authorized Risk Decline transaction?
Answer: When a transaction is marked as "Authorized_Risk_Declined" on Cybersource, it means that you have the ability to manually approve the transaction and proceed with fulfillment after conducting your own checks with the customer. This type of transaction is given a code of 481.
There are three types of ECI codes for 481 transactions. Two of these can be approved after verification, while one should be declined.
- Note: Please make sure to check the ECI value under Payment information - Payer Authentication tab of transactions HOLD with the reason code 481 and take the decision as per mentioned in the table below:
Scenario | Overview | Reason code | ECI | Decision |
|---|---|---|---|---|
1 | 3D Secure Transactions | 481 | 5,2 | Those transactions can be settled after review as per merchant request. |
2 | Partial 3D Secure Transactions | 481 | 6,1 | Those transactions can be settled after review as per merchant request. |
3 | Non- 3D Secure Transactions | 481 | 0,7 | Those transactions cannot be settled and you’re recommended to do not issue services against such transaction. |