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Declined Transactions
The customer’s card, card issuer or the acquirer can decline to authorise any
transaction.
A declined response from the acquirer’s host system will display a message on
your terminal in place of the usual AUTH CODE: xxxxx message. This can be,
for example, DECLINED, NOT AUTHORISED, or RETAIN CARD. This
message will be displayed on the screen for up to 60 seconds, or until the enter
key is pressed.
A declined receipt will be printed which clearly indicates that the transaction has
not been authorised. It will also show the message from the acquirer if such
message is present.
Transactions with an inserted chip card may be declined by the card without the
terminal contacting the acquirer’s host system. You should advise the customer
to contact their card issuer and request another means of payment.
If your terminal is unable to contact the acquirer for a transaction with an
inserted Chip card, the transaction maybe declined by the card with the
message COMMS FAILURE DECLINED.
If you are prompted to retain the customer card you should
follow the standard procedures as laid down by your acquirer.
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