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EMV Decline

note

In this web sequence diagram, Payter details the core flow of an EMV payment which is NOT successfully authorized. In this case, the transaction ends at this point. Declines at this stage should be considered a good outcome, and not a problem. A Decline rate of approximately 5% can be perfectly normal, depending on the amount being requested.

Flow​

Payment Flow DiagramPayment Flow Diagram

Comments​

  1. When using Always Scanning there could hours or days between these two events.
  2. The controller needs to Decide to Authorize. If they are choosing to accept RFID cards then these follow a different flow, with the local controller either checking online itself, or comparing to a whitelist of card ID's. Even where no RFID cards are accepted, this decision is required.
  3. The controller needs to interpret the Authorization outcome - in this case it is Declined and no Vend should take place
info

Payter will confirm the outcome of the payment attempt to the cardholder using the terminal display. Integration Controllers can optionally also choose to send additional UI commands following a decline, but it is not required.