Merchant Advice Code
Where can you find Merchant Advice Code
This value is returned in our Create Transaction API response.
TabaPay will be sending MasterCard Merchant Advice Code (MACs) to those TabaPay Clients that are enabled to receive them.
MasterCard's Transaction Processing Excellence (TPE) program offers these Merchant Advice Codes (MACs). They are a set of codes that Mastercard supports to enable issuers to communicate additional information regarding a transaction response. These codes indicate further actions on subsequent transactions that TabaPay Clients should take to continue serving cardholders.
The purpose of these TPE programs is to identify unfavorable transaction processing behavior and drive positive processing behavior change, resulting in a more seamless network experience for all parties involved.
Program Fees
Program fees will be assessed under the MasterCard Transaction Processing Excellence (TPE program) if certain processing behaviors are breached during Authorization.
Merchant Advice Code (MACs)
MAC value 03
A MAC value of 03 is indicates that a transaction should not be resubmitted. It denotes that an account is closed or fraudulent, and that no further approvals will be forthcoming by the issuer.
Per MasterCard, there will be a fee assessed for each authorization request resubmission following a MAC 03 decline within a 30-day period.
| Value | Description |
|---|---|
| 01 | New account information available |
| 02 | Can not approve at this time, try again later |
| 03 | Do not try again |
| 04 | Token requirements not fulfilled for this token type |
| 21 | Payment Cancellation Service |
| 24 | Retry after 1 hour |
| 25 | Retry after 24 hours |
| 26 | Retry after 2 days |
| 27 | Retry after 4 days |
| 28 | Retry after 6 days |
| 29 | Retry after 8 days |
| 30 | Retry after 10 days |
Network Return Code and Merchant Advice Code
TabaPay Clients consuming MACs can apply the following logic to take better decision.
| Network Response Code Value | Merchant Advice Code (MAC) | Decisioning Logic |
|---|---|---|
| 79 or 82 | 01 | updated information was found for TabaPay Account Updater. Check for new information before reattempting. |
| 79 or 82 | 03 | updated credentials are not found to be available for TabaPay Account Updater. Do not retry. |
| 83 | 01 | authentication may improve the likelihood of an approval. Retry using authentication (such as EMV® 3DS). |
| 83 | 03 | suspected fraud. Do not retry. |
| 79, 82, or 83 | 02 | retry the transaction later. |
Updated 15 days ago