Overview of Refund Failures
Refunds can fail for various reasons, often related to decisions made by the card issuer. Understanding these reasons can help you navigate the complexities of processing refunds.
How Refunds Work
Refund Initiation: When you issue a refund, it's processed online and sent to the customer’s card issuer.
Issuer Decision: The card issuer has the authority to approve or decline the refund. Common reasons for a decline include issues with the card status or concerns about fraud.
Reasons for Declined Refunds
04 - Pick Up Card (No Fraud): The card issuer has flagged the account, and the card should not be used.
07 - Pick Up Card (Fraud): The card is reported lost or stolen.
34 - Suspected Fraud: Potential fraud detected by the issuer.
35 - Card Acceptor Contact Acquirer: Significant issue requiring contact with the acquiring bank.
41 - Lost Card: The card has been reported lost.
43 - Stolen Card: The card has been reported stolen.
59 - Suspected Fraud: Another indicator of suspected fraud.
62 - Restricted Card: the issuer restricts the card.
83 - Cannot Complete Transaction: The issuer cannot process the refund due to an internal issue.
93 - Violation of Law: The transaction would violate legal or regulatory rules.
When Offline Refunds Aren't Attempted
Certain decline codes signal serious issues or confirmed fraud, making it inappropriate or unsafe to attempt an offline refund. These include:
Codes related to lost or stolen cards (Codes 41 & 43), suspected fraud, and legal violations.
Seeking Further Assistance
If you experience persistent issues with refunds, it's crucial to contact our support team for assistance. They can provide guidance on specific cases and help troubleshoot problems to find a resolution.
This guide explains the typical scenarios that lead to refund failures and how to address them, ensuring that you are prepared to manage these challenges effectively. For further details or to seek help, please contact the Intergiro support team.