Callbacks, statuses and hooks

1. Bank Return Codes for Card Transactions

When a card transaction (Transaction) is initiated, an authorization request is submitted to the card-issuing bank. It responds with a code, allowing for the interpretation of the authorization’s acceptance, refusal, and the reason for refusal.

The cardholder’s bank (also called the “issuing bank”) expresses its refusal based on its own choices, which are entirely independent of CentralPay. CentralPay possesses no additional information if a card is declined and has no means of obtaining it.

Main bank return codes:

Code	Description
A1 – VADS Fallback	DSP2 and Soft decline The bank declines the transaction because it does not have strong authentication (3DS 2.0). It is necessary to re-process this transaction with 3DS to avoid this code.
57, 3 and 5	Generic Bank Refusal The bank declines without providing a specific status. This could be an incorrect CVV code or another decision unknown to us. This status does not confirm that the bank will not accept the authorization after further attempts.
4, 7, 14, 15, 31, 33, 34, 41, 43, 54, 55, 56, 59, 63, 76	Suspicion of Fraud or Card Theft The issuing bank believes its customer is no longer in possession of the card and that it is a case of identity theft.
51, 61	Insufficient Funds / Limit Reached The card has exceeded the authorized limit amount or does not have sufficient funds. The card may be accepted again later, as limits are calculated on a 7-day rolling basis, so a transaction can certainly be retried the next day.
12	Invalid Transaction The bank declines without providing a specific status. This could be: – Simply an invalid transaction – A code 75 from the issuing bank (the card’s PIN code was entered incorrectly too many times). – An incorrect CVV (provided by the ACS during 3DS authentication) – Or another decision unknown to us.

Consult the complete list of bank return codes ➝

2. Card Transaction Statuses

Consult Transaction Statuses ➝

Consult Refund Statuses ➝

Consult Credit Statuses ➝

Consult Dispute Statuses ➝

Consult Subscription Statuses ➝

Consult Installment Statuses ➝

3. Webhooks for Card Transactions

Consult Transaction Webhooks ➝

Consult Card Webhooks ➝

Consult Refund Webhooks ➝

Consult Credit Webhooks ➝

Consult Customer Webhooks ➝

Consult Dispute Webhooks ➝

Consult Subscription Webhooks ➝

Consult Installment Statuses ➝