Merchant Advice Codes (Retries)

For declined transactions there is a field returned advising the merchant how they should process a retry. The possible values and explanations is listed below:

Code	Description/Action to take
update_required	The merchant should contact the customer to obtain updated payment method details. This may be for a new expiry date, CVV or similar.
retry_later	The merchant should retry the transaction after the timestamp provided in `merchant_advice_retry_after`.
do_not_retry	Do not retry the payment. Contact the customer to obtain an alternative payment method for this transaction.
not_supported	The payment token used is not supported for this transaction. Contact the customer to obtain an alternative payment method for this transaction.
cancelled	The recurring agreement has been cancelled by the customer - Do Not Retry. Contact the customer if necessary to establish a new agreement.
none	No advice code has been provided. Retry processing up to the merchant to determine.

Retry Later

If a retry_later code is received, the merchant should retry after the timestamp provided in the merchant_advice_retry_after field. If the field is absent, assume 72 hours.

{
   // ...
   "merchant_advice_code": "retry_later",
   "merchant_advice_retry_after": "2022-10-04T15:39:55+11:00"
}