Sorrypayment Failurethe Reason Is 05do Not Honour Please Pay Again !

If yous take a look at your payment information, yous'll probably run across a bunch of unsuccessful payments with the reason code: "05: Do Not Honor".

"Practice Not Honor" can represent annihilation from 10% to 60% of your refused payments. Below is a breakdown of the pct of "Do Not Honor" by country.

But what does it actually mean? And what can you do about it? Should you inquire the shopper for a new card? Should yous retry it with the same menu? If then, do y'all do this immediately or how long should y'all wait?

Unfortunately, in that location isn't one easy answer. Simply, based on our experience analyzing authorization rates and working with card schemes, here are some plausible explanations.

In about half the cases, "Do Non Honour" is just another way of saying "Insufficient Funds". This is because some issuers (or processors) aren't very good at returning the correct refusal reason. This is partly due to the issuers' legacy systems, and partly to the lack of mandates or monitoring by the schemes. And so, for lack of a better reason, issuers volition often default to "Exercise Not Honor" every bit the catch-all for all denials.

Looking at the data from diverse banks, yous can run across that "Do Not Accolade" and "Insufficient Funds" are used interchangeably. The beneath graph is an analysis of the top 5 Great britain and United states banks. In near cases, there'south a disproportionately loftier level of "Do Non Accolade" and a low level of "Insufficient Funds." Given that Insufficient Funds is one of the about common refusal reasons, it suggests that one is masquerading every bit the other.

Sometimes transactions fail considering of an AVS or CVC mismatch. Merely, since there'southward no refusal reason for AVS mismatch, and only Visa has a response code for CVC mismatches, issuers tend to default to "Exercise Not Honor". It'south worth checking other data points in the payment response, similar CVC response, card expiry date, and AVS response, to learn more.

The most appropriate use of "Do Non Honor" is considering of suspicious activeness on the carte. It's upward to the issuer to decide what constitutes suspicious action. So, even though a card hasn't been reported lost or stolen, a combination of factors might prompt the issuer to err on the side of caution (such equally a high-value transaction made cantankerous-border at 3am without any additional authentication). Even if issuers can identify why they refused the transaction, they have no way of communicating this to you. Instead, they must selection a response from the available responses codes defined in the ISO 8583 standard.

If you're really up to speed on your payments, yous might point out that issuers should exist able to apply "59: Suspected fraud" in these cases. This is correct. Simply what you probably don't know is that VisaNet remaps all "59: Suspected fraud" refusals to "05: Do Not Honor". The likely reason for this is legacy. Information technology avoids uncomfortable situations in-store when the shopper is standing in front of the sales associate.

You lot can larn more near how Adyen helps you fight fraud here.

You lot're probably not the merely business that the shopper is interacting with at any one time. They might have just made a large purchase on a high-risk website or been on a huge shopping spree before coming to you. In that example, it doesn't thing how clean your traffic is, the issuer may decide on a "Do Not Laurels" as a byproduct of a shopper's recent activity. In these cases, having the right billing and retry strategy tin can assist y'all minimize your "Practice Non Honors".

While the words "Do Not Honor" don't tell us annihilation, there'south a lot to be learned by looking at aggregated data. Adyen has a feature called the Inferred Refusal Reason, which provides insight into the likely cause of the refusal. It uses platform-wide data to identify the issuer level patterns that event in the "Practise Not Honor" refusal lawmaking. This Inferred Refusal Reason is returned in the API response, and can be enabled via API and Response settings.

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Source: https://www.adyen.com/blog/coping-with-do-not-honor-card-refusals