Common Scenarios & Troubleshooting

Resolve common Cards on File status and decline scenarios with the correct next action.

Use this guide when a stored payment method needs review. Apply the Account Updater status before you authorize the token.

A token has a CLOSED status

Do not run an authorization. Deactivate the stored token in your system. Request a replacement payment method from the customer.

A token has CONTACT CARDHOLDER

Attempt the authorization. If it returns a non-retry decline, contact the cardholder and request updated details.

A payment returns 46

The issuer reports a closed account. Do not retry. Close or deactivate the token, then collect another payment method.

A recurring payment returns R0, R1, or R3

• R0: Cancel the current recurring transaction.
• R1: Disable recurring billing for this cardholder.
• R3: Disable all recurring transactions for the account.

A payment returns 62

Do not retry automatically. Issuer controls might restrict the transaction. Ask the cardholder to contact their issuer.

No Account Updater result is available

The issuer might not participate in Account Updater. Process the authorization, then use the returned decline response to determine the next action.

Recommended diagnostics

Record these values for each payment attempt:

• token-id
• token-update-status
• result-code and display-message

Do not record raw card data in application logs.

Related topics

• See Recurring Payments to manage recurring billing.
• See Transactions to review transaction response fields.