Business Decline (BD) – Transaction declines that are attributable to business decisions by stakeholders participating in the transaction. These shall also include business decisions attributable to a customer behaviour like sufficiency of balance in the account, account blocks owing to a bad credit history etc. A few indicative sample reason codes are Insufficient Balance, Incorrect PIN, Do not Honor etc.
Technical Decline (TD) – Transaction declines that are attributable to technical shortcomings like connectivity issues, switch unavailability, incorrect message data elements etc are classified under TD. A few indicative sample reason codes are Invalid response, Issuer or Switch is inoperative, etc.
Issuer Name - Bank issuing the card to the customer.
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