A
AdyenAdyen 3
Referral
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The issuer requires a referral — typically a voice authorisation or manual review.
Recommended Action
Follow referral procedures. The customer may need to contact their bank.
Common Causes
- Issuer flagged transaction for manual review
- Voice authorisation required
Recovery Tips
- Retry after the customer confirms with their issuer
Quick Reference
Code
3
Category
Soft Decline
Retryable
Yes
Source
Adyen
Recoverability verdict
This is a soft decline. This revenue is often recoverable.
Payments failing with code 3 are often recoverable with the right retry timing and routing. Slicker recovers up to 70% of soft declines with smart retries.
Related Decline Codes
2Retryable
Refused
The transaction was refused by the issuer without additional information.
4Retryable
Acquirer Error
The transaction did not go through due to an error on the acquirer's end.
7Retryable
Invalid Amount
An amount mismatch occurred during the transaction process.
9Retryable
Issuer Unavailable
It was not possible to contact the shopper's bank to authorise the transaction.