Authorization responses

Authorization should be seen as an indication that account funds are available and the card has not been reported as lost or stolen. It is not proof that the true cardholder or a valid credit card is involved in a transaction.

During the authorization process, you should receive one of the responses listed in the following table, or one that is similarly worded.

Response	Meaning
Approved	Card issuer approves the transaction. This is the most common response—about 95% of all authorization requests are approved.
Declined or Card Not Accepted	Card issuer does not approve the transaction. The transaction should not be completed. Return the card and instruct the cardholder to call the card issuer for more information on the status of the account.
Call, Call Center, or Referrals	Card issuer needs more information before approving the sale. Most of these transactions are approved, but you should call your authorization center and follow whatever instructions you are given. In most cases, an authorization agent will ask to speak directly with the cardholder or will instruct you to check the cardholder’s identification. (See: Signature unsigned cards for acceptable forms of ID).
Pick-Up	This response indicates that the card issuer would like the card to be confiscated from the customer. However, UCSC Employees should not attempt to pick up credit cards, even when the card issuer requests this action, as this could potentially cause confrontation and safety issues.
No Match	The embossed account number on the front of the card does not match the account number encoded on the magnetic stripe. Swipe the card again and re-key the last four digits at the prompt. If a “No Match” response appears again, it means the card is counterfeit. Discreetly notify your supervisor that it is necessary to make a Code 10 call.

Financial Affairs

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PCI-DSS: Card Present - Authorization