A processor decline indicates that the customer’s bank has refused the transaction request.Sometimes you can tell why it was declined by reading the response code, but only the customer's bank can confirm the specific reason.The most common reasons for declines are: An acceptable decline ratio is about 10% of your transactions, but this may fluctuate based on industry or business model.You can analyze your decline ratio by creating a decline report.They will need to contact their bank for more information.Your account can't process transactions with the intended feature – for example, 3D Secure or Level 2/Level 3 data.
The customer entered an invalid payment method or made a typo in their card expiration date.
When we talk about declines, we're usually referring to authorization declines.
These happen when you request authorization to charge a customer's payment method, and the bank refuses to authorize the charge.
Have the customer attempt the transaction again – if the decline persists, ask for a different card or payment method.
Either the refund amount is greater than the original transaction or the card-issuing bank does not allow partial refunds.