Access Worldpay
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Useful tables

Useful tables

On this page:

Supported payment methods

  • American Express*
  • Cartes Bancaires*
  • Discover/ Diners*
  • JCB*
  • Maestro
  • MasterCard
  • MasterCard Debit
  • Visa
  • Visa Debit
  • Visa Electron (UK only)

*Not available in our Payouts API. Please contact your Implementation Manager for more information.

ISO country codes

The country codes supported by Hosted Payment Pages are listed below. To see if you can integrate with these countries, speak to your Implementation Manager.

Country codes

ISO country codes are an international standard that must be used in your submissions.

Country Name (A-L)Country CodeCountry Name (L-Z)Country Code
AFGHANISTANAFLIECHTENSTEINLI
ALAND ISLANDSAXLITHUANIALT
ALBANIAALLUXEMBOURGLU
ALGERIADZMACAUMO
AMERICAN SAMOAASMACEDONIAMK
ANDORRAADMADAGASCARMG
ANGOLAAOMALAWIMW
ANGUILLAAIMALAYSIAMY
ANTARCTICAAQMALDIVESMV
ANTIGUA AND BARBUDAAGMALIML
ARGENTINAARMALTAMT
ARMENIAAMMARSHALL ISLANDSMH
ARUBAAWMARTINIQUEMQ
AUSTRALIAAUMAURITANIAMR
AUSTRIAATMAURITIUSMU
AZERBAIJANAZMAYOTTEYT
BAHAMASBSMEXICOMX
BAHRAINBHMICRONESIA (FED. STATES)FM
BANGLADESHBDMOLDOVA, REPUBLIC OFMD
BARBADOSBBMONACOMC
BELARUSBYMONGOLIAMN
BELGIUMBEMONTSERRATMS
BELIZEBZMOROCCOMA
BENINBJMOZAMBIQUEMZ
BERMUDABMMYANMARMM
BHUTANBTNAMIBIANA
BOLIVIABONAURUNR
BONAIRE, SINT EUSTATIUS AND SABABQNEPALNP
BOSNIA AND HERZEGOVINABANETHERLANDSNL
BOTSWANABWNEW CALEDONIANC
BOUVET ISLANDBVNEW ZEALANDNZ
BRAZILBRNICARAGUANI
BRIT. IND. OCEAN TERRIT.IONIGERNE
BRUNEI DARUSSALAMBNNIGERIANG
BULGARIABGNIUENU
BURKINA FASOBFNORFOLK ISLANDNF
BURUNDIBINORTHERN MARIANA ISLANDSMP
CAMBODIAKHNORWAYNO
CAMEROONCMOMANOM
CANADACAPAKISTANPK
CAPE VERDECVPALAUPW
CAYMAN ISLANDSKYPALESTINIAN TERRITORY, OCCUPIEDPS
CENTRAL AFRICAN REPUBLICCFPANAMAPA
CHADTDPAPUA NEW GUINEAPG
CHILECLPARAGUAYPY
CHINACNPEOPLE'S REP. KOREAKP
CHRISTMAS ISLANDCXPERUPE
COCOS (KEELING) ISLANDSCCPHILIPPINESPH
COLOMBIACOPITCAIRNPN
COMOROSKMPOLANDPL
CONGOCGPORTUGALPT
CONGO, THE DEMOCRATIC REPUBLIC OF THECDPUERTO RICOPR
COOK ISLANDSCKQATARQA
COSTA RICACRREPUBLIC OF KOREAKR
COTE D'IVOIRECIREPUBLIC OF MONTENEGROME
CROATIAHRREPUBLIC OF SERBIARS
CUBACUREUNIONRE
CURACAOCWROMANIARO
CYPRUSCYRUSSIAN FEDERATIONRU
CZECH REPUBLICCZRWANDARW
DENMARKDKS. GEORGIA & S. SANDWICHGS
DJIBOUTIDJSAINT BARTHELEMYBL
DOMINICADMSAINT KITTS AND NEVISKN
DOMINICAN REPUBLICDOSAINT LUCIALC
EAST TIMORTPSAINT MARTIN (FRENCH)MF
ECUADORECSAMOAWS
EGYPTEGSAN MARINOSM
EL SALVADORSVSAO TOME AND PRINCIPEST
EQUATORIAL GUINEAGQSAUDI ARABIASA
ERITREAERSENEGALSN
ESTONIAEESERBIA AND MONTENEGROCS
ETHIOPIAETSEYCHELLESSC
FALKLAND ISLANDSFKSIERRA LEONESL
FAROE ISLANDSFOSINGAPORESG
FIJIFJSINT MAARTEN (DUTCH)SX
FINLANDFISLOVAKIASK
FRANCEFRSLOVENIASI
FRANCE, METROPOLITANFXSOLOMON ISLANDSSB
FRENCH GUIANAGFSOMALIASO
FRENCH POLYNESIAPFSOUTH AFRICAZA
FRENCH SOUTHERN TERRIT.TFSPAINES
GABONGASRI LANKALK
GAMBIAGMST. HELENASH
GEORGIAGEST. PIERRE AND MIQUELONPM
GERMANYDEST. VINCENT & GRENADINESVC
GHANAGHSUDANSD
GIBRALTARGISURINAMESR
GREECEGRSVALBARD AND JAN MAYENSJ
GREENLANDGLSWAZILANDSZ
GRENADAGDSWEDENSE
GUADELOUPEGPSWITZERLANDCH
GUAMGUSYRIAN ARAB REPUBLICSY
GUATEMALAGTTAIWANTW
GUERNSEYGGTAJIKISTANTJ
GUINEAGNTANZANIATZ
GUINEA-BISSAUGWTHAILANDTH
GUYANAGYTIMOR-LESTETL
HAITIHTTOGOTG
HEARD & MC DONALD ISLSHMTOKELAUTK
HONDURASHNTONGATO
HONG KONGHKTRINIDAD AND TOBAGOTT
HUNGARYHUTUNISIATN
ICELANDISTURKEYTR
INDIAINTURKMENISTANTM
INDONESIAIDTURKS AND CAICOS ISLANDSTC
IRANIRTUVALUTV
IRAQIQUGANDAUG
IRELANDIEUKRAINEUA
ISLE OF MANIMUNITED ARAB EMIRATESAE
ISRAELILUNITED KINGDOMGB
ITALYITUNITED STATESUS
JAMAICAJMURUGUAYUY
JAPANJPUS MINOR OUTL. ISLANDSUM
JERSEYJEUZBEKISTANUZ
JORDANJOVANUATUVU
KAZAKHSTANKZVATICAN CITY STATEVA
KENYAKEVENEZUELAVE
KIRIBATIKIVIET NAMVN
KOSOVOKSVIRGIN ISLANDS (BRITISH)VG
KUWAITKWVIRGIN ISLANDS (U.S.)VI
KYRGYZSTANKGWALLIS & FUTUNA ISLANDSWF
LAO PEOPLE'S REP.LAWESTERN SAHARAEH
LATVIALVYEMENYE
LEBANONLBYUGOSLAVIAYU
LESOTHOLSZAIREZR
LIBERIALRZAMBIAZM
LIBYAN ARAB JAMAHIRIYALYZIMBABWEZW

Currency codes

The currency codes supported by Access Worldpay are listed below. To see if, and how, you can integrate with these currencies, speak to your Implementation Manager.

The values in your orders that are sent to Access Worldpay use exponents instead of decimal delimiters. The currency code is always presented in CAPITALS.

Currency codes
  1. Card Payments API
  2. All other APIs
CurrencyCurrency CodeExponent
Afghan AfghaniAFN2
Algerian DinarDZD2
Antillian GuilderANG2
Aruban GuilderAWG2
Australian DollarAUD2
Azerbaijanian ManatAZN2
Bahamian DollarBSD2
Bahraini DinarBHD3
Bangladesh TakaBDT2
Barbados DollarBBD2
Belize DollarBZD2
Bermudian DollarBMD2
Bhutan NgultrumBTN2
Bolivian BolivianoBOB2
Bosnia and Herzegovina Convertible MarksBAM2
Botswana PulaBWP2
Brazilian RealBRL2
Brunei DollarBND2
Bulgarian LevBGN2
Burundi FrancBIF2
Cambodian RielKHR2
Canadian DollarCAD2
Cape Verde EscudoCVE0
Cayman Islands DollarKYD2
CFA Franc BCEAOXOF0
CFA Franc BEACXAF0
CFP FrancXPF0
Chilean PesoCLP0
Colombian PesoCOP2
Comoro FrancKMF0
Congolese FrancCDF2
Costa Rican ColonCRC2
Croatia Euro1EUR2
Czech KorunaCZK2
Danish KroneDKK2
Djibouti FrancDJF0
DobraSTD2
Dominican PesoDOP2
East Caribbean DollarXCD2
Ecuador SucreECS2
Egyptian PoundEGP2
El Salvador ColonSVC2
Eritrean NafkaERN2
Ethiopian BirrETB2
EuroEUR2
Falkland Islands PoundFKP2
Fiji DollarFJD2
Gambian DalasiGMD2
Georgia LariGEL2
Ghana CediGHS2
Gibraltar PoundGIP2
Guatemalan QuetzalGTQ2
Guinea FrancGNF0
Guyana DollarGYD2
Haiti GourdeHTG2
Honduran LempiraHNL2
Hong Kong DollarHKD2
Hungarian ForintHUF0
Iceland KronaISK0
Indian RupeeINR2
Indonesian RupiahIDR0
Iranian RialIRR2
Iraqi DinarIQD3
Irish PoundIEP2
Israeli ScheqelILS2
Italian LiraITL0
Jamaican DollarJMD2
Japanese YenJPY0
Jordanian DinarJOD3
Kazakhstan TengeKZT2
Kenyan ShillingKES2
Kuwaiti DinarKWD3
Laos KipLAK2
Lebanese PoundLBP2
Lesotho Loti (Maloti)LSL2
Liberian DollarLRD2
Libyan DinarLYD3
Lithunianian LitasLTL2
Macau PatacaMOP2
Macedonian (FYR) DenarMKD2
Malagasy AriaryMGA2
Malawi KwachaMWK2
Malaysian RinggitMYR2
Maldives RufiyaaMVR2
Mauritania OuguiyaMRO2
Mauritius RupeeMUR2
Mexican PesoMXN2
Moldovan LeuMDL2
Mongolian TugrikMNT2
Moroccan DirhamMAD2
Mozambique MeticalMZN2
Myanmar KyatMMK2
Namibian DollarNAD2
Nepalese RupeeNPR2
New Zealand DollarNZD2
Nicaraguan Cordoba OroNIO2
Nigerian NairaNGN2
North Korean WonKPW2
Norwegian KroneNOK2
Nuevo Argentine PesoARS2
Pakistan RupeePKR2
Panamanian BalboaPAB2
Papua New Guinea KinaPGK2
Paraguayan GuaraniPYG0
Peruvian Nuevo SolPEN2
Peso UruguayoUYU2
Philippine PesoPHP2
Polish ZlotyPLN2
Pound SterlingGBP2
Qatari RialQAR2
Rial OmaniOMR3
Romanian LeiRON2
Russian RubleRUB2
Rwanda FrancRWF0
Samaoan TalaWST2
Saudi RiyalSAR2
Serbian DinarRSD2
Seychelles RupeeSCR2
Sierra Leone LeoneSLL2
Singapore DollarSGD2
Soa Tome and Principe DobreSTN2
Solomon Islands DollarSBD2
Somalia ShillingSOS2
South African RandZAR2
South-Korean WonKRW0
Sri Lanka RupeeLKR2
St Helena PoundSHP2
Sudanese PoundSDP2
Suriname DollarSRD2
Swaziland LilangeniSZL2
Swedish KroneSEK2
Swiss FrancCHF2
Syrian PoundSYP2
Taiwan DollarTWD2
Tajikistan SomoniTJS2
Tanzanian ShillingTZS2
Thai BahtTHB2
Tonga Pa'angaTOP2
Trinidad and Tobago DollarTTD2
Tunisian DinarTND3
Turkish LiraTRY2
Turkmenistan ManatTMT2
UAE DirhamAED2
Uganda ShillingUGX0
Ukraine HryvniaUAH2
US DollarsUSD2
Uzbekistan SumUZS2
Vanuatu VatuVUV0
Venezuela BolivarVEB2
Venezuela Bolivar FuerteVEF2
Vietnamese New DongVND0
Yemeni RialYER2
Yuan RenminbiCNY2
Zambian KwachaZMW2
Zimbabwe DollarZWD2

1 From 1 January 2023, Republic of Croatia has adopted Euro (EUR) as its domestic currency. For more information, contact your Relationship Manager.

Refusal codes

We use a set of response codes to provide context on why a payment has been refused. In the response message is a message and a description.

We can also return the raw code received either from:

  • the card scheme (for Worldpay-acquired transactions)
  • a third party acquirer

See raw response codes for more information.

Response codes

Where there are two or more possible messages for a code, they are separated by an "OR":

Response codeDescription
1Refer to card issuer OR Referred, Call Authorization Center
2REFERRED OR Refer to card issuer, special condition
3INVALID ACCEPTOR OR Invalid merchant OR Invalid merchant or service provider
4HOLD CARD OR Capture card OR Declined, Retain Card
5REFUSED OR Do not honor OR Declined
6Try another card
7Pickup card special condition (other than lost/stolen card)
8Honor with ID OR Transaction approved with ID
10Partial Approval
12INVALID TRANSACTION OR Invalid transaction
131INVALID AMOUNT OR Invalid amount OR Invalid amount (currency conversion field overflow) or amount exceeds maximum for card program
14Invalid card number OR Invalid account number (no such number)
15Invalid issuer
19Re-enter transaction
20ACQUIRER ERROR OR ERROR OR No action taken (unable to back out prior
25Unable to locate record in file, or account
28File is temporarily unavailable
30Format error OR ERROR
33CARD EXPIRED
34FRAUD SUSPICION
39No credit account
41Lost card OR Pickup card (lost card)
43STOLEN CARD, PICK UP OR Stolen card OR Pickup card (stolen card)
46Closed account
51LIMIT EXCEEDED OR Insufficient funds OR Insufficient funds/over credit limit
52No checking account
53No savings account
54Expired card OR DECLINED, EXPIRED CARD
55INVALID SECURITY CODE OR Invalid PIN OR ERROR
56UNKNOWN CARD
57Transaction not permitted to issuer/cardholder OR ILLEGAL TRANSACTION
58Transaction not permitted to acquirer/terminal
59Suspected Fraud (Visa)
61Exceeds withdrawal amount limit
62RESTRICTED CARD OR Restricted card OR Restricted card (for example in Country Exclusion table)
63Unable to authorise OR ERROR
64Unable to authorise
652Exceeds withdrawal count limit OR Authentication requested
68Time out
70CONTACT CARD ISSUER OR Contact Card Issuer
71PIN Not Changed
74ALLOWABLE NUMBER OF PIN TRIES EXCEEDED
75Allowable number of PIN tries exceeded
76CARD BLOCKED OR Invalid/nonexistent âTo Accountâ specified OR Invalid/nonexistent OR Invalid/nonexistent specified
77Invalid/nonexistent âFrom Accountâ specified OR Invalid/nonexistent OR Invalid/nonexistent specified
78Invalid/nonexistent account specified (general)
79Already reversed (Visa) OR Lifecycle reasons (Mastercard)
80Visa transactions: credit issuer unavailable. Private label and check a acceptance: Invalid date
82Negative CAM, dCVV, iCVV, or CVV results (Visa) OR Policy reasons (Mastercard)
83STIP cannot approve (Visa) OR Fraud/Security related reasons (Mastercard)
84Invalid Authorization Life Cycle
85REJECTED BY CARD ISSUER OR Not declined. Valid for AVS only, balance Inq OR No reason to decline a request
86Cannot Verify PIN OR PIN Validation not possible
88Unable to authorise
89Unacceptable PINâTransaction DeclinedâRetry OR Unacceptable PIN - Transaction Declined - Retry OR Ineligible to receive
91CREDITCARD ISSUER TEMPORARILY NOT REACHABLE OR Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction) OR Authorization System or issuer system inoperative OR Authorization System or issuer system inop
92Unable to route transaction OR Destination cannot be found for routing
93Transaction cannot be completed violation of law
94Duplicate transaction OR Duplicate transmission detected
96Unable to authorise OR System error
98ERROR
99ERROR
102INVALID CARD ISSUER
104UNKNOWN CARD
106INVALID ACCOUNT
107SECURITY BREACH
241Verification data failed
397Surcharge amount not permitted on Visa
398Surcharge not supported
442Acquirer Institution Identification Code in the request message is not registered at CAFIS
443CAFIS System Error. Try again
444The acquirer system is busy. Try again
445Acquirer system error. Try again
446The acquirer system has closed. Try again
447CAFIS System Error. Try again
448Illegal encoding format. Try again
449CAFIS System Error. Try again
450CAFIS System Error. Try again
451Advice message already received
452CAFIS detected a timeout when it sent the message to the acquirer. Try again
453CAFIS System Error. Try again
454CAFIS System Error. Try again
455CAFIS System Error. Try again
456CAFIS System Error. Try again
457CAFIS System Error. Try again
458The acquirer does not support the service
459CAFIS System Error. Try again
460CAFIS System Error. Try again
577The card is unusable. Contact issuer. OR The card is unusable.
578The transaction is pending. Contact issuer. OR The transaction is pending.
579PIN is incorrect
580Security Code is incorrect
581Security Code is not set
582JIS2 stripe information is invalid
583The card is maxed out for the day. Contact issuer. OR The card is maxed out for the day. (insufficient funds)
584The amount exceeds the limit for the day. Contact issuer. OR The amount exceeds the limit for the day. (insufficient funds)
586The card is invalid. Keep card and contact issuer OR The card is invalid. (MOD 10 check failed)
587The card is invalid (lost/stolen). Keep card and contact issuer OR The card is invalid (lost/stolen).
588The card is invalid. Keep card and contact issuer. OR The card is invalid. (MOD 10 check failed)
589Message element "Primary Account Number" value is invalid OR Message element "Primary Account Number" value is invalid (MOD 10 check failed)
590Message element "Merchant Type" value is invalid
591Message element "Transaction Amount" value is invalid
592Message element "Tax and Postage" value is invalid
593Bonus Count value is invalid
594Bonus Month value is invalid
595Bonus Amount value is invalid
596First Payment Month value is invalid
597Installment Count value is invalid
598Installment Amount value is invalid
599First Payment Amount value is invalid
600Message elements Service Code, Business Code and Message Code value is invalid
601Message element "Payment Division" value is invalid
602Message element "Inquiry Division" value is invalid
603Message element "Cancel Division" value is invalid
604Message element "Original Payment Division" value is invalid
605UNKNOWN RESPONSE CODE OR The card is expired.
606THE CARD IS NOT APPLICABLE TO THE SERVICE OR The card is not applicable to the service.
607The acquirer service is completed.
608The invalid card (lost/stolen) has an error.
609The request message cannot be processed for some reason. Contact issuer. OR The request message cannot be processed for some reason.
610The request message for which a transaction is not supported is received
611UNKNOWN RESPONSE CODE OR The request message from a centre which has not made the contact.
622Message element "Service Code" setting error
623Message element "Business Code" setting error
624Message element "Message Code" setting error
625Message element "Processor Code" setting error
626Message element "Merchant Code" setting error
627Message element "Transaction Identifier" setting error
628Message element "Processor Transaction Date-Time" setting error
629Message element "Card Acceptor Terminal Identification" setting error
630Message element "Encryption Method Code" setting error
631Message element "Key Encryption Key Index in Use" setting error
632Message element "Processor Authentication Key Index" setting error
633Message element "Message Encryption Key" setting error
634Message element "Message Authentication Code" setting error
635Message element "Acquirer Institution Identification Code" setting error
636Message element "Primary Account Number" setting error
637Message element "Expiration Date" setting error
638Message element "Track-2 Data" setting error
639Message element "PIN Data" setting error
640Message element "Merchant Type" setting error
641Message element "Transaction Amount" setting error
642Message element "Tax and Postage" setting error
643Message element "Point of Service Data Code" setting error
644Message element "Payment Division" setting error
645Message element "Cancel Division" setting error
646Message element "Original Terminal Processing Serial Number" setting error
647Message element "Original Payment Division" setting error
658Message element "Original Processor Transaction Date-Time" setting error
659Message element "Original Transaction Identifier" setting error
660Message element "Free Field" setting error
661Message element "Terminal Processing Serial Number" setting error
662Message element "Security Code" setting error
663Message element "Electronic Commerce Indicator" setting error
664Message element "XID" setting error
665Message element "Accountholder Authentication Value" setting error
666Message element "Transaction Status" setting error
667Message element "Message Version Number" setting error
668Message element "CAVV Algorithm" setting error
669Message element "Recurring Flag" setting error
670Element Block (e.g. "General Transaction Info" setting error)
671Combination of message elements "Service Code" and "Message Code" setting is incorrect
672Message element "Processor Authentication Key Index" setting error
673There is more than one original transaction to reverse. Unable to reverse the transaction
674Combination of message elements "Processor Code" and "Merchant Code" setting is incorrect
675Global GEAR System Error. Try Again.
676Global GEAR System Error. Transaction result is unclear.
677Global GEAR System Error. Transaction result is unclear.
678Global GEAR System Error. Try Again.
679Global GEAR System Error. Transaction result is unclear.
680Global GEAR System Error. Transaction result is unclear.
681Global GEAR System Error. Try Again.
682Global GEAR System Error. Transaction result is unclear.
683Global GEAR System Error. Transaction result is unclear.
694Global GEAR System Error. Transaction result is unclear.
695Global GEAR System Error. Transaction result is unclear.
696Global GEAR System Error. Transaction result is unclear.
697Global GEAR System Error. Transaction result is unclear.
698Global GEAR System Error. Transaction result is unclear.
699Global GEAR System Error. Transaction result is unclear.
700Global GEAR System Error. Transaction result is unclear.
701Global GEAR System Error. Transaction result is unclear.
702Global GEAR System Error. Transaction result is unclear.
703Global GEAR System Error. Try Again.
704Global GEAR System Error. Transaction result is unclear.
705Global GEAR System Error. Try Again.
828Unable to authorize
831Cash service not available
832Cash back request exceeds issuer limit
833Resubmitted transaction over max days limit
835Decline for CVV2 failure
836Transaction amount greater than preauthorised
902Invalid biller information
905Unable to authorise
906Unable to authorise
911UNKNOWN RESPONSE CODE
937Card Authentication failed
972Stop Payment Order
973Revocation of Authorization Order
975REFUSED OR Revocation of All Authorizations Order
1044Approval, keep first check
1045Check OK, no conversion
1046Invalid RTTN
1047Amount greater than limit
1048Unpaid items, failed NEG
1049Duplicate check number
1050MICR error
1051Too many checks
1198Forward to issuer
1201Forward to issuer
1263Unable to authorise
1295Unknown

Info
Response codes and descriptions are coming directly from the acquirer. Whilst we are making an effort to update this list where possible, it might not be exhaustive.

1 The monthly limit for gambling transaction is exceeded (Europe: €50 000 or local currency equivalent; Azerbaijan, Moldova, and Ukraine: €10 000 or local currency equivalent)
2 Soft decline, customer must be authenticated

Refusal advice codes

Refusal advice codes provide additional information with a refused authorization response. This included whether you may retry a transaction and in what circumstances.

Note

We return these codes only for Mastercard/Maestro transactions at present. The acquirer must support the advice code, and the card scheme must have returned a code to us.

Refusal Advice CodeExample scenariosRetry advised?Further information
01Card expired: updated account information available✅Retry with updated account information or authentication
02Insufficient funds at present✅Retry later (after 72 hours)
03Invalid Account Number / Lost or Stolen Card❌Do not retry (scheme fees may apply)
04Problem with network token authentication✅review network token authentication value
21Cardholder requested that recurring or installment payment be stopped❌Do not retry (scheme fees may apply)
22Merchant not enrolled in Mastercard instalment program❌Do not retry
24Insufficient funds at present✅Retry later (after 1 hour)
25Insufficient funds at present✅Retry later (after 24 hours)
26Insufficient funds at present✅Retry later (after 2 days)
27Insufficient funds at present✅Retry later (after 4 days)
28Insufficient funds at present✅Retry later (after 6 days)
29Insufficient funds at present✅Retry later (after 8 days)
30Insufficient funds at present✅Retry later (after 10 days)
Note

Mastercard do not currently support advice codes for MCC 7995.

riskFactors

To reduce the probability of processing a fraudulent payment, supply your customer's billing address and cvc in your authorization request.

We check this with your customer's issuing bank and include any conflicts in our response.

The riskFactors array is returned only if there is a risk associated with the authorization request. The riskFactors array returns an object for avs, cvc or riskProfile only if this information was included in the authorization request and if any risk was identified.

The table below describes the response parameters:

ParameterDescription
riskFactors.typeReturns avs, cvc or riskProfile
riskFactors.detailFor avs only.
Returns postcode or address
riskFactors.riskReturns notChecked, notMatched, notSupplied or verificationFailed