Below are common possible error/decline messages for mtCharge+ and best next steps to resolve.
| Decline Error | Decline Information | Best Next Steps |
| Partial Approved | Your card was partially approved. The full amount could not be charged. Please contact the card issuer. | The charge was successful, but for a smaller amount that what was expected. Manufacturer can Void, Refund, Request a new form of payment, or process an Ad-Hoc transaction for the difference. |
| Declined | Your card was declined. Please contact the card issuer or use a different payment method. | Request another form of payment. |
| Expired Card | Card is expired. Please update card information. | Request another form of payment. |
| Duplicate AP/Duplicate | This payment looks like a duplicate of a recent charge. Please check recent transactions before trying again | Confirm that it is not a duplicate transaction (same card/order total) for the same customer. If it is not, you can try the transaction again. |
| Pick up Card | This card cannot be used. Please contact the card issuer or use a different payment method. | Use a different payment method |
| Call Issuer | The card issuer requires additional information to approve this payment. Please contact the card issuer. | The retailers bank will not allow the transaction to go through until to speak with the customer. Card may have tripped the bank's fraud prevention. |
| Undefined | An error occurred processing your payment. Please try again. | This usually caused by a processor/system issue. The transaction can usually be processed later after the issue is resolved. |
Invalid Data | We were unable to process this payment due to invalid payment information. Please review your details and try again. | Most likely missing or incorrect data in transaction (CVV/Expiration Date/Invalid Address formatting). Verify information, or request a different payment method. |
Invalid Data | The card number submitted is invalid. Please verify the card number and try again. | Direct retailer to contact their issuing bank. |
| Invalid Data | The payment amount is invalid. Please confirm the amount and try again. | Invalid Amount error means the transaction amount sent in the request was not accepted by the processor because the amount was missing, malformed, zero, negative, or outside allowed limits. Amount sent as $0.00 when not allowed. Confirm dollar amount is formatted correctly, and not one of the number errors above. |
| Invalid Account / Invalid Merch | A payment account configuration error occurred. Please contact support for assistance. | Contact MarketTime Support to verify payment gateway configuration. |
| Invalid Request | An invalid payment request was submitted. Please contact support for assistance. | Contact MarketTime Support to verify payment gateway configuration. |
Auth Failed | Payment authorization failed. Please request another form of payment. | Request another form of payment. |
Not Allowed | This card type is not accepted. Please use a different payment form of payment. | Request another form of payment. |
Comm Error | A communication error occurred while processing your payment. Please try again. | This is usually network/system error. The transaction can be tried later after issue is resolved. |
Host Error | A host error occurred while processing your payment. Please try again. | Retry transaction or use a different form of payment. |
| Error | An error occurred while processing your payment. Please try again. | Retry transaction or use a different form of payment. |
Invalid AccountToken | The saved payment method could not be verified. Please retry. | Sales rep may need to remove and re add the card. Secure token may be expired. |
| Authentication Failed | Payment gateway authentication failed. Please contact support. | Contact MarketTime Support to verify payment gateway configuration. |
Timeout | We were unable to confirm your payment at this time. Please wait a moment before trying again. | Generally a system/network issue. Not a decline, transaction can usually be attempted again. |
Unexpected Error | We were unable to process this payment. Please try again later. | Generally a system/network issue. Not a decline, transaction can usually be attempted again. |
| Network Error | A network error occurred while processing your payment. Please try again. | Generally a system/network issue. Not a decline, transaction can usually be attempted again. |
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