Hi Cybersource Community,

I’m integrating Cybersource’s payment gateway into my application, and I need help handling declined transactions based on specific response codes.

Currently, when a transaction is declined, the API returns a response with a code and message, but I’m unsure about the best practices for:

1. Differentiating between soft declines (e.g., insufficient funds) and hard declines (e.g., invalid card number).
2. Implementing retries for soft declines without violating compliance standards.
3. Displaying user-friendly error messages while keeping sensitive details secure.

   Here’s a sample of my current implementation:

    

   json

   Copy code

   { "responseCode": "203", "responseMessage": "General decline of the card." }

   Questions:

   • Is there a definitive list of response codes categorized by soft vs. hard declines?
   • Are there recommended retry strategies for certain codes?
   • How can I customize error handling for different codes effectively?

     Any guidance, code examples, or documentation references would be greatly appreciated!

     Thank you in advance for your help.