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. |