A
Authorize.netAuthorize 3
Referral - Call Issuer
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The transaction was declined with a referral to a voice authorization center. The issuer wants a phone call to authorize the transaction.
Recommended Action
For card-present transactions, call the voice authorization center. For online recurring payments, ask the customer to contact their bank.
Common Causes
- Issuer wants verbal verification of the cardholder
- Transaction flagged for manual review by the issuer
- Large or unusual transaction amount
Recovery Tips
- Ask the customer to contact their card issuer to authorize the transaction
- Retry after the customer confirms with their bank
- Consider requesting a smaller amount if applicable
Quick Reference
Code
3
Category
Soft Decline
Retryable
Yes
Source
Authorize
Related Decline Codes
2Retryable
Declined
The transaction has been declined by the issuer. This is the most common generic decline code and does not provide a specific reason.
191Retryable
Declined
The transaction has been declined by the issuer without a specific reason code.
193Non-Retryable
Transaction Under Review
The transaction is currently under review by the fraud detection system. It has not been approved or declined yet.
295Retryable
Partial Approval
The requested amount was only partially approved on the given prepaid card. An additional payment is required to fulfill the balance of this transaction.
Authorize 3 recovery
Recover more payments like Authorize 3
Slicker handles codes like 3 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
Analyze this in our payment data