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The principle

The purpose of this feature is to improve the success rate that you will achieve when applying for authorization. We mean by success, having an agreement for an application and not a refusal. 
Payline will thus realize, automatically and transparently for you and your customers, a new attempt according to the refusal codes communicated by the acquiring bank. 
Completely integrated into the existing payment process, the "Automatic Retry" feature is compatible with the features of delinking, 3DSecure authentication and anti-fraud.
Visa, Mastercard, Maestro and CB cards are eligible. And all transaction types are compatible except for the "N foix (NX)" and "Subscription (REC)" types that already have their own retry feature.

Configuration

To activate the "Automatic Retry" function if a transaction is rejected, simply activate the feature and configure the contract on which the second transaction will take place.

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We strongly recommend that you have two acquiring banks to increase your chances of success.

The different cases 

Cases of 3D Secure transactions refused

In the case where the transaction is refused because it is guaranteed by the 3D Secure device, we allow to renew a request for authorization without the 3D Secure guarantee. This feature is not only convenient when the 3D Secure device is down, it allows you to achieve a much better success rate. You can easily, using an anti-fraud rule, identify these transactions 3D Secure but not guaranteed to achieve, according to your wish, a manual verification of the order.

To activate the "Automatic Retry" function in the event of a 3D Secure transaction being rejected, all you have to do is activate the feature and configure the option "Disengage the 3DS if this contract fails".

The drop-down list only shows contracts for which 3D Secure is not enabled. If no such contract exists, you will need to create one. This can be done by creating an alias of your initial contract.

Case of authorization requests at 1 € vs information request at 0 €

In case you make a request for information at 0 € in order to obtain an agreement to make recurring payment (1 click payment, subscription, etc.), we allow you to change the type and amount of the payment. transaction in order to improve the success rate of these applications. Indeed, depending on the types of cards and countries, requests for information at 0 € are massively rejected. To compensate for this situation, Payline can automatically convert an information request to 0 € into a 1 € authorization transaction. The latter will be automatically canceled by a request for adjustment.

To activate the "Automatic Retry" function in case of refusal of an information request to 0 €, simply activate the feature and configure the option "Authorization request to 1 € in case of failure of the request for information ".

If you apply for a € 1 authorization, consult our technical documentation to change the amount and make requests at 0 €. 
Identify "Retry" transactions via the Payline API 
The doAuthorization and getWebPaymentDetails functions of the Payline API return the information corresponding to the last transaction played:

• The transaction.id transaction ID of the last request made;
• The payment .contractNumber contract of the last request made;
• The return code result of the last request made.

Backoffice

Identify "Retry" transactions in the Payline backoffice

The detail screen of a transaction displays in the "TRANSACTION" field, the Retry Type information:

• RETRY_ACQ: New attempt on another purchaser;
• RETRY_3DS: Release of the 3DSecure;
• RETRY_AV: Attempt on failure of an information request (Account Verification).