Problem Description

I'm receiving reason code 203 for an authorization transaction request.

Cause

Reason code 203 is a hard decline from your customer’s card-issuing bank. It is classified as a general decline by the card issuer, and no further information is provided to Cybersource. The card-issuing bank may have additional information.

Resolution

Take one of the following actions:

• Request a different credit card or payment method from your customer.
• Ask your customer to investigate the reason for the decline directly with their card issuer.
  You can help your customer by providing the Transaction Reference Number. They can share this value with their bank/issuer to locate the transaction and discover the reason for the decline.

Additional Information

Where do I find the Transaction Reference Number?
What is the difference between a soft decline and hard decline?