If Error code 88 (FALLBACK DECLINE) ,occurs through EMV cards, it means that the chip card is not getting read by ATM/POS or that particular card having chip related issue, maybe damaged hence by default its diverting to alternate option of magnetic strip hence receiving Error 88.
A decline code means Tyro has attempted to execute an EFTPOS transaction which ultimately resulted in a decline by the card issuer. In most cases, the card holder will need to contact their issuer but there could be an instance where there is a problem e.g. a bank link has gone down.
Unlike error codes, decline codes typically indicate that you can't process a payment. This might be due to insufficient funds, blocked transactions, expired card details, or many other reasons. Typically, decline codes refer to an issue on the cardholder's end rather than the merchant's.
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.
There are several reasons why a debit card may be declined even if you have money in your account. Commons reasons may include changing cities or not having your card activated. Stay on top of your cards and consider using budgeting apps to help avoid being unable to use them.
Having a credit card declined can be embarrassing and inconvenient, but it won't affect your credit score. However, some issues that could cause a credit card to be declined, like late payments and high balances, do affect your credit. You can reduce the chances that you'll encounter this by: Paying balances on time.
Earlier the error would clearly tell you “transaction limit exceeded” or something like that. Error code 089-Acquirer limit exceeds just means that the per transaction limit has been exceeded in the amount you have requested.
Visa chargeback reason code 86 falls under the “Point-of-Interaction Error” category. The shorthand description is “Paid by Other Means.” This code means the cardholder is claiming they paid for the disputed transaction using another method and were therefore charged twice for a single purchase.
What does transaction response code 82 - CVV Validation Error mean? The customer's card issuer has declined the transaction as the CVV is incorrect.
Visa chargeback reason code 83 falls under the “Fraud” category. The shorthand description is “Fraud—Card-Absent Environment.” This reason code means that the cardholder is claiming that they did not authorize or participate in a card-not-present transaction, and therefore it must be fraudulent.
The customer's card issuer has declined the transaction as this credit card cannot be used for this type of transaction. This may be associated with a test credit card number. The customer should use an alternate credit card, or contact their bank.
Visa chargeback reason code 85 falls under the “Consumer Disputes” category. The shorthand description is “Credit Not Processed.” This reason code indicates the cardholder had reason to believe they were going to receive a refund, but no credit to their account has been processed.
Visa chargeback reason code 90 falls under the “Consumer Disputes” category. The shorthand description is “Non-Receipt of Cash or Load Transaction Value at ATM.” This code means the cardholder claims that they made a cash withdrawal at an ATM and didn't receive the correct amount.
The card issuer (your customer's bank) could not be contacted, or did not respond in time. The credit card transaction has not been processed. You can retry the transaction after waiting for 15 minutes.
Visa chargeback reason code 82 falls under the “Point-of-Interaction Error” category. The shorthand description is “Duplicate Processing.” This reason code means that the cardholder is claiming that a single transaction was processed more than once and resulted in duplicate charges to their account.
Visa chargeback reason code 81 falls under the “Fraud” category. The shorthand description is “Fraud—Card-Present Environment.” This reason code is used when a cardholder is claiming that they neither authorized nor participated in a card-present transaction and that it, therefore, must be fraudulent.
The customer's card issuer cannot be found for routing. This response code is often returned when the customer is using a test credit card number. The customer should attempt to process this transaction again.
Users may receive a “Could not authorize card: The transaction was unsuccessful, Error 87: Transactions of this market type cannot be processed on this system.” when attempting to authorize a credit card as a Card Not Present (CNP) transaction with a Card Present (CP) market type or vice versa.
Transaction Code: 59 - Suspected Fraud
The customer's card issuer has declined this transaction as the credit card appears to be fraudulent. While you could contact this customer yourself, it's very possible that this transaction is fraudulent. Tread carefully.
In summary, Status Code 89 can occur if there is not adequateshared memory allocated in the kernel. That is not, however, the onlypossible cause of this error. Assuming the kernel has enough shared memoryconfigured, it is necessary to look at the other possible causes of the Status89.
Even though a declined credit card application doesn't affect your credit score, a hard enquiry is recorded on your file each time you make an application for credit. When you make consecutive credit card applications after getting rejected, multiple credit enquiries will appear on your file in a short time span.