April 22, 2024
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[JIT funding] Definition of decline reasons and how does Marqeta use them?

[JIT funding] Definition of decline reasons and how does Marqeta use them?

torreytsui
New Contributor

Question 1: What are the definitions for each allowable decline_reason?

JIT funding response object

Screenshot 2023-07-06 at 11.56.28.png

I intuitively thought AMOUNT_LIMIT_EXCEEDED is the account credit limit. However, this developer blog's example shows in the usage that, AMOUNT_LIMIT_EXCEEDED is the individual transaction limit. I was wrong, which is good to know! But this comes to my mind that a more descriptive definition will go a long way to help us implement a better integration!

According to the blog, I can interpret the definition as below. There are still many missing, can we finish the table please?

 

decline_reasondefinition / description / example
AMOUNT_LIMIT_EXCEEDED

The transaction exceeded the individual transaction amount allowable limit.

Implied action: try to split the transactions for lower individual amount.

CARD_NOT_ACTIVE 
CARDHOLDER_NOT_ACTIVE 
CLOSED_ACCOUNT 
DUPLICATE_TRANSACTION 
EXPIRED_CARD 
INSUFFICIENT_FUNDS

The account balance is too high or is reaching the allowable limit.

Implied action: try to lower the transaction amount.

INVALID_AMOUNT 
INVALID_CARD 
INVALID_MERCHANT

The merchant is not supported.

Implied action: try a different card, this card does not support this merchant.

NO_CHECKING_ACCOUNT 
NO_CREDIT_ACCOUNT 
NO_SAVINGS_ACCOUNT 
REVOCATION_AUTHORIZATION_ORDER 
REVOCATION_ALL_AUTHORIZATION_ORDER 
SOFT_DECLINE_AUTHENTICATION_REQUIRED 
STOP_PAYMENT 
SUSPECTED_FRAUD 
TRANSACTION_COUNT_LIMIT_EXCEEDED 
TRANSACTION_NOT_PERMITTED

The transaction is not permitted for an unclassified reason.

Implied action: contact the card issuer for more details.

 

Question 2: How does Marqeta uses the decline reasons?

My naive thinking, does Marqeta feeds it back to the card network (e.g., master card), the network might then map to specific actionable error codes which the merchant (or their payment processor) might be able to act upon?

Although the decline_reason is optional, it allows only a set of values. There might be usage behind each and might result in different behaviour?

2 REPLIES 2

twalson
Community Manager
Community Manager

Thank you for your questions in the Community. Our team is going to look into this a bit deeper and we will respond soon. 

- Tyler

Hi Tyler, any update from the team? appreciate your help!