HiPay Enterprise - Accepted, declined & failed payments

In the Notification server-to-server, to determine if this is an accepted or a refused payment

The notification IPN here => https://support.hipay.com/hc/en-us/articles/115005171029

1. When consider an accepted payment

Status

Message

Description

112

Authorized and Pending

The payment has been challenged by the fraud rule set and is pending.

116

Authorized

The financial institution has approved the payment.In the case of a credit card payment, funds are “held” and deducted from the customer’s credit limit (or bank balance, in the case of a debit card), but are not yet transferred to the merchant. In the case of bank transfers and some other payment methods, the payment immediately reaches the “Captured” status after being set to “Authorized”.

117

Capture Requested

A capture request has been sent to the financial institution.

118

Capturer

The financial institution has processed the payment.The funds will be transferred to HiPay Enterprise before being settled to your bank account. Authorized payments can be captured as long as the authorization has not expired. Some payment methods, like bank transfers or direct debits, reach the “Captured” status straight away after being authorized.

119

Partially Captured

The financial institution has processed part of the payment.If only part of the order can be shipped, it is allowed to capture an amount equal to the shipped part of the order. This is called a partial capture.Please note: As dictated by all credit card companies, it is not allowed for a merchant to capture a payment before shipping has been completed. Merchants should start shipping the order once the status “Authorized” has been reached!

200

Pending Payment

The transaction request was submitted to the acquirer but the response is not yet available.

https://developer.hipay.com/getting-started/platform-hipay-enterprise/appendices/#transaction-statuses-sent-by-server-to-server-notification

2. Refusal codes

Status

Message

Description

109

Authentication Failed

The cardholder’s authentication failed.The authorization request should not be submitted.An authentication failure may be a possible indication of a fraudulent user.

110

Blocked

The transaction has been rejected for reasons of suspected fraud.

111

Denied

The merchant denied the payment attempt. After reviewing the fraud screening result, the merchant decided to decline the payment.

113

Refused

The financial institution refused to authorize the payment.The refusal reasons can be: an exceeded credit limit, an incorrect expiry date or insufficient balance, or many others, depending on the selected payment method.

114

Expired

The validity period of the payment authorization has expired.This happens when no capture request is submitted for an authorized payment typically within 7 days after authorization.Note: Depending on the customer’s issuing bank, the authorization validity period may last from 1 to 5 days for a debit card and up to 30 days for a credit card.

173

Capture Refused

The capture was refused by the financial institution.

2.1. When represent the HiPay hosted page or the HiPay hosted iframe

Below the main codes :

4000001 - Declined => la banque du client a refusé la demande d’autorisation sans nous donner de motif

4000004 - Technical Problem
3000201 - Suspicion of fraud
3030001 - Fraud Suspicion

2.2. When not represent the When represent the HiPay hosted page or the HiPay hosted iframe

Vous trouverez ci-dessous les principaux codes de refus (la liste est non exhaustive) :

4010303 - Lost or Stolen Card

4010204 - Card Expired
4010205 - Expiry Date Incorrect
4010205 - CVC Required
4010207 - CVC Error
4000004 - Technical Problem
3000201 - Suspicion of fraud
3030001 - Fraud Suspicion

Please find in our developer portal the code exhaustiv list => https://developer.hipay.com/getting-started/platform-hipay-enterprise/appendices/#decline-reasons-and-error-codes