Merchant Advice code
Table below explains how the combination of Merchant advice code & response code should be perceived. Airwallex provides you both these fields in API response & Web-app portal as well.
| Issuer Response codes | MAC | MAC description | Potential reasons | Suggested Merchant action |
|---|---|---|---|---|
| 00, 05, 14, 51, 54, 79, 82 | 01 | New Account info available | Expired Card or Account upgrade or Portfolio sale or conversion | Obtain new account information before next billing cycle |
| 51, 79, 82, 83 | 02 | Cannot Approve at This Time | Over Credit Limit or Insufficient funds | Recycle transaction 72 hours later |
| 05, 14, 51, 54, 79, 82, 83 | 03 | Do not try again | Account Closed or Fraudulent | Obtain another type of payment from customer |
| 39 | 04 | POS cardholder presence indicator | SLI & cryptograhy data problem | Resubmit with appropriate information |
| 05 | 21 | Payment Cancellation | Cardholder canceled agreement | Do Not submit |