Analyzing the reasons for a transaction to be declined

Merchants reports that all debit transactions are being rejected - Most commonly Canadian merchants report this issue when Interac has not been enabled on the merchant level in the Handpoint TMS.

BAD CRD TYPE - The card type, most commonly AMEX has not been enabled for the merchant in the acquirer systems (not the Handpoint TMS)

Suspected Payment Duplication - This is a message sent back by the Handpoint Gateway to the terminal if 2 transactions are processed for the same amount in less than 5 minutes. The cardholder sees the warning message and is asked if he wants to proceed with the charge or cancel it.

Card token failure - The tokenization process of the card did not work, most often this error happens when tokenization has not been enabled on the merchant / ISV level in the Handpoint TMS.

Refund not allowed – This error means that the refund capability for the merchant has not been enabled in the Handpoint terminal management system (TMS)

EXPIRED CARD - This one is descriptive, it means that the transaction was attempted with a card that has expired

SERV NOT ALLOWED - This error from the acquirer can hide multiple reasons, most often it is that the card is issued in a country that the acquirer can not process, or is a type of card that can not be processed. For example, SERV NOT ALLOWED can be received when trying to do a reversal of a transaction made with a foreign card.