Is that Transaction Result Code Hard or Soft ?

Soft Decline vs Hard Declines

We were discussing Result Codes (aka. Response Codes) during a call today. We were discussing both “Soft” and “Hard” Declines and the differences of them in the context of reviewing a payment interface and which transactions could be Store-and-Forwarded (‘SAF’).

Result codes are returned in Field or Data Element 39 in an ISO-8583 message.

We use the term “Soft” decline when a subsequent transaction request containing the same pertient information could recieve a different result.

These typically occur from a transient system issue or payment network issue and are  temporary in nature.

Examples of some result codes that come to mind:

  • “19” Re-Enter Transaction
  • “91” Issuer Unavailable or Switch Inoperative
  • “96” System Malfunction or System Error

Hard declines contrast from Soft declines in that on a subsequent transation request, the responses are repeatable; you will recieve the same result.

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