In November 2021, MasterCard introduced an authorization decline program. The program consolidates decline codes into three buckets:
79 - Lifecycle Declines
- 14 Invalid Card Number
- 54 Expired Card
82- Policy Declines
- 03 Invalid Merchant
- 13 Invalid Amount
- 57 Transaction Not Permitted
- 61 Exceeds Withdrawal amount
- 62 Restricted Card
- 65 Exceeds Withdrawal Count
83- Security Declines
- 41 Lost Card
- 43 Stolen Card
- 55 Invalid PIn
- 63 Security Violation
MasterCard maps these three Authorization Response Categories to one of four Merchant Advice Codes (MAC) depending on the underlying decline code. These codes are as follows:
01 - Updated information needed
Check Account Updater if the decline code is 79 or 82
Retry using EMV 3DS if the decline code is 83
02 - Try again later
03 - Do Not try again
21 - Payment canceled
Our products, including Payment Gateway and Virtual Terminal, support MAC for your reference.
To view the Merchant Advice Code (MAC):
- Log in to Merchant Manager, select Transactions, and apply the filter of Merchant Advice Code.
- Select all or individual MACs you are interested in viewing. The table will present all the data meeting the criteria selected.
- Opt to download the data for further analysis or click on a transaction to view the details. The Transaction Detail will display the MAC code in the Authorized tab.
Card-not-present authorization requests retried after being declined with a MAC of 03 or 21 (from the same card and with the same transaction amount in the past 30 days) will receive a fee. MasterCard’s fee is $.03 per item.
