Authorization Report by Reason

When you select By Reason as the presentation method for the granular data, iQ displays the data sorted by the Reason Code associated with the decline. The table below describes each of the fields in the By Reason granular Section.

Authorization Report by Reason

Authorization Report by Reason Field Descriptions

Field

Description

Response

The category of decline or approval and the Response Reason Code description. The possible categories are:

  • Approved - authorization approved

  • Soft Decline - a decline of authorization due to a card status that may change. Examples of Soft Decline reasons are: Issuer Unavailable, Credit Line Exceeded, etc.

  • Hard Decline - a decline of authorization due to a card status that will not change. Examples of Hard Decline reasons are: Card Lost or Stolen, Expired Card, and Account Closed.

  • Referral - a decline where a merchant is requested to contact the voice authorization center for further instructions.

  • Other - a decline code that does not map to any other category. An example of a code mapped to this category is the Bill Me Later code 707, Insufficient Buying Power.

Response Code

The code representing the reason for the decline of the authorization.

%

The percent of total Authorization attempts that were approved or declined for the designated category, rounded to the nearest hundredth of a percent.

Authorizations

The total number of transactions that fall within the designated category.