V2.9.0

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This version will be released on the 8th of October 2024!

SYSTEM INTERNALS

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Fixes & Updates:

Since the MPI provider now receives specific issuer decline codes from the SCA, merchants and users will receive detailed decline messages rather than the generic “3DS Authentication Failed.”
The new decline codes are detailed in our documentation and below:

Status Code	Description
41135	Unsupported Payment Method
43006	Unknown/Unsupported Device
43007	Card exceeds authentication frequency limit
43022	Expired Card
43019	Invalid Card Number
43012	Invalid Transaction
43014	Wrong Card Number
43043	Card Reported as Stolen
43059	Suspected Fraud
43057	Transaction not Permitted to Cardholder
43011	Transaction exceeds maximum number of challenges
43097	Decoupled Authentication Cannot be Performed
43098	Decoupled Authentication Expiry Time Exceeded
43099	Decoupled Authentication Not Attempted Due To Insufficient Auth Time
43092	Error Connecting to ACS
43093	ACS Timed Out
43010	VMID Issue With Participation in The Requested 3DS Program
43095	The 3DS Protocol Used for This Transaction is Either Outdated or Too Advanced for The ACS to Handle
43090	3RI Transaction is not Qualified for Attempts Processing Under 3DS Protocol
46999	Unmapped Decline

We have modified the advice codes to better align them with those provided by the issuer.

Fibonatix AC	Description
AC01	Cannot approve at this time, try again later
AC02	New account information available - check and retry
AC03	Retry with 3DS
AC04	Try again after 24 hours
AC06	Contact your customer success manager or merchant support
AC07	Do not try again (the issuer will never approve)
AC08	Try again in 1 hour
AC09	Try again in 2 days
AC10	Try again in 4 days
AC11	Try again in 6 days
AC12	Try again in 8 days
AC13	Try again in 10 days
AC14	Do not try again with the same card
AC15	Try using a different card/payment method
AC16	Try using a different card/payment method or contact your bank for further clarification
AC19	Use a different device

Cascading – added an extra parameter for the cascading option: '3DS Cascading Statuses.'

This allows us to select which 3DS request statuses will be forwarded during cascading (default options are Y, A, N, U).

The letters Y, A, N, and U in the context of 3DS (Three-Domain Secure) statuses generally represent different authentication outcomes during the 3D Secure transaction process:

Y – Authentication Successful (the cardholder's identity has been verified).
A – Authentication Attempted (the cardholder attempted authentication, but the result isn't definitive; typically, liability shift may still apply).
N – Authentication Failed (the cardholder was not authenticated).
U – Authentication Unavailable (the authentication service was unavailable for some reason, such as a system error or the issuer being unable to respond).

These codes are used to determine how to handle transactions based on the result of the 3DS authentication process.

When we are unable to map an error code received from processors, we will now set the status to 46999 'Unmapped Decline' (previously 46001).

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Fixes & Updates:

Allow users to create widgets for each payment method (MC/Visa/AP/GP).
Display decline graphs highlighting the top 5 decline reasons, with all other reasons grouped under "Others."

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New Features:

Simplifies the process for merchants to open a ticket with Merchant Support through the back office. Click here for instructions on how to open a ticket in Paragon