Decline

A decline (RED) means D1 did not approve Tokenization. The payment network TSP stops the flow, and no digital card is provisioned.

Common reasons

Typical reasons for a decline include:

• Card checks failed (for example, an expired card, an invalid CSC, or a suspended card). See Decision engine > Card.
• End User data checks failed (for example, a phone number mismatch configured as a decline). See Decision engine > End User (consumer).
• Wallet/device risk signals resulted in a decline (for example, wallet scoring mapped to RED). See Decision engine > Wallet scoring.
• Rate limits were exceeded (for example, too many Tokenization attempts). See Decision engine > Counters.

Because the payment network TSP does not provision a digital card for a decline, any digitalCardId returned in the flow (if present) is not usable for post-tokenization operations.