Required Contents of Decline Notice
In the event you elect to perform verification on a transaction and also elect not to proceed with the transaction based upon a verification failure, you must provide your customer with the following Decline Notice. You can provide the notice orally, electronically, via e-mail, and/or via U.S Mail, depending upon the type of transaction. The notice must be substantially as the notice set forth below that contains the disclosures required under the Fair Credit Reporting Act and instructs your customer how to contact Certegy directly.
If the required language of the Decline Notice changes, Worldpay notifies you of the change. You must enact the changes within 10 days.
Example: Decline Notice
We're sorry, but we are unable to proceed with your transaction. This determination was based on information provided by Certegy Check Services, Inc. (“Certegy”). To protect your privacy, Certegy did not provide any financial information to [Client's Name] during the authorization process.
The reason your transaction was not authorized was due to [mark one of the following based on applicable decline code transmitted by Certegy]:
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account closed
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dishonored check or transfer information contained in Certegy's files
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Certegy had insufficient information available
the identification information you entered did not conform to established guidelines
You have the right under the Fair Credit Reporting Act to know the information Certegy utilized to make a determination regarding your check. If you find that any information Certegy utilized in its decision is inaccurate or incomplete, you have a right to dispute it with Certegy.
You may call Certegy toll free at 800-695-1854, or write to Certegy Check Services, Inc., P.O. Box 30046, Tampa, FL 33680-3046.
If you contact Certegy, please provide the following information so they can respond promptly to your request:
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