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Commentaire: 4.72 - Retry SD

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The principle

The purpose of this feature is to improve the success rate that you will achieve when applying for authorization. We mean by success, having an agreement for an application and not a refusal. 
Payline will thus realize, automatically and transparently for you and your customers, a new attempt according to the refusal codes communicated by the acquiring bank. 
Completely integrated into the existing payment process, the "Automatic Retry" feature is compatible with the features of delinking, 3DSecure authentication and anti-fraud.
Visa, Mastercard, Maestro and CB cards are eligible. And all transaction types are compatible except for the "N foix (NX)" and "Subscription (REC)" types that already have their own retry feature.

Configuration

To activate the "Automatic Retry" function if in the event of a transaction is rejectedbeing refused, simply activate the feature function and configure the contract on which the second transaction will take placebe carried out.

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We strongly recommend that you have two acquiring banks to increase your chances of success.
You can also configure a retry period, if necessary see the Asynchronous Retry function .


The different cases 

Cases of


This feature is accessible from the configuration of the payment method in the backoffice.


Case of transactions refused on the acquiring contract

In the event that the transaction is refused on a contract, Payline makes it possible to renew an authorization request on another contract.

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Case of refused 3D Secure transactions

refused

In the

case where

event that the transaction is refused because it is guaranteed by the 3D Secure device, we allow

to renew a request for authorization

the renewal of an authorization request without the 3D Secure guarantee. This

feature

function is not only

convenient

practical when the 3D Secure device is down, it allows you to

achieve

obtain a

much

significantly better success rate.

 


You can easily, using an anti-fraud rule, identify these

transactions

3D Secure but not guaranteed transactions to

achieve

carry out, according to your own wish, a manual verification of the order.

To activate the "Automatic Retry" function in the event of a 3D Secure transaction being

rejected, all you have to do is

refused, simply activate the

feature

functionality and configure the

option

"Disengage the 3DS

if

in the event of failure on this contract

fails

" option.

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The drop-down list only shows contracts for which 3D Secure is not

enabled

activated. If no such contract exists, you will need to create one. This can be done by creating an alias of your initial contract.


Case of authorization requests at

1 €

€1 vs information request at

0 €

€0

In

case

the event that you make a request for information at

0 €

€0 in order to obtain an agreement to make recurring payment (1-click payment, subscription, etc.), we allow you to

change

modify the type and amount of the

payment. transaction in order to improve

transaction with the aim of improving the success rate of these

applications

requests. Indeed, depending on the types of cards and the countries, requests for information at

0 €

0€ are massively rejected. To

compensate for

overcome this situation, Payline can automatically

convert an

transform a €0 information request

to 0 €

into a

1 €

€1 authorization transaction. The latter will be automatically canceled by a request for adjustment.

To activate the "Automatic Retry" function in

case

the event of a refusal of

an information request to 0 €

a request for information at €0, simply activate the

feature

functionality and configure the option "

Authorization request to 1 € in case

Request for authorization at €1 in the event of failure of

the

request for information".

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If you

apply for a € 1 authorization

make an authorization request at €1, consult our technical documentation to

change

modify the amount and make requests at

0 €

€0.

 


Identify

Identifying "Retry" type transactions via the Payline API

 


The doAuthorization and getWebPaymentDetails functions

 

of the Payline API return the information corresponding to the last transaction played:

  • transaction ID
    •  of the last request made;
    • The payment .contractNumber
  •  
    • contract
  •  
    • of the last request made;
    • The return code of the result object of the last request made.



3DS in case of softdecline

The Soft Decline corresponds to a refusal of an authorization request from the issuers.

It intervenes in the case:

    • When a merchant requests authorization without 3DSecure V2.
    • When a merchant requests authorization with Frictionless Type 3D Secure data

Payline initiates an authorization with 3DSV2 challenge.
Two transactions will be recorded:

    • The first with rejected with softdecline error code.
    • The second will be marked with the type “RETRY-SD”.

Plus d'information : 3DSV2 - SoftDecline.

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Temporary state

Monext Online provides a temporary state INPROGRESS with return code 02306 indicating whether the web session has ended.
You will be able to retrieve the final state as soon as the web session is terminated and the retry processing is performed.
In web mode, you must call the payment result request upon redirection or notification.
The session token of the getWebPaymentDetails or getTransactionDetails services will simply point to the last Retry transaction performed. 

You will thus be able to avoid result discrepancies if the request for the result of the transaction is sent too early, ie before the web session is finished and the processing of a retry carried out.



Backoffice

Identify "Retry" transactions in the Payline backoffice


The detail screen of a transaction displays in the "TRANSACTION" field, the Retry Type information:

  • RETRY_ACQ: New attempt on another purchaser;
  • RETRY_3DS: Release of the 3DSecure;
  • RETRY_AV: Attempt on failure of an information request (Account Verification).