Implementation of an IIAS system or completion of a 90% registration does not mean that all card transactions will be approved; there are many valid reasons for a card transaction decline.
Listed below are the main reasons why properly formatted IIAS transactions at an IIAS merchant can validly decline against cards that are IIAS enabled. This is not intended to be an all-inclusive list, but represents the most common reasons that together account for most declines.
If a merchant believes a decline happened for a reason not listed above, they should contact their acquirer and/or point of sale vendor for further research. In addition, cardholders should be instructed to call the customer service number on the back of their card for additional information.
2022 by SIGIS: Special Interest Group for IIAS Standards. All rights reserved.
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