Activity represents specific events related to an account that encompass a wider range of actions beyond card usage. These actions can include denied authorizations of card transactions, pin setting on cards, real-time verification of documents, payroll deposit switches, ACH pre notifications, ACH Notice of Changes (NOCs), and more. Monitoring these activities is crucial for security, compliance, and ensuring a seamless user experience across various financial operations.

Activity TypesCopied!

Here we outline a broader spectrum of activity types, starting with denied authorizations and expanding to include other significant non-transactional activities:

Denied Authorizations

A denied authorization is an activity type that represents an attempt at a financial action (not limited to card transactions) that is not approved. Various reasons can lead to such denials, encompassing a wider range of financial operations beyond card transactions. Below is a comprehensive list of reasons for denied authorizations, applicable across various financial mechanisms:

Denied Reason	Reason Description
ISSUER_ERROR	Issuer error
CARD_CAPTURED_FRAUD	Capture card due to suspected fraud
BLOCKED_MCC	The MCC is blocked at a product or account level. Applies only to Mastercard
DEFAULT_DENY	Default deny code when other deny codes do not apply. Also applicable to mobile-wallet provisioning red path or card not in active status for AVS-only checks
MAX_AMOUNT_LIMIT	Maximum system amount reached. Applies only to Mastercard
INVALID_PAN	Invalid PAN, not existing in the system. Applies to all card networks except Visa
FORMAT_ERROR	Format error
REPORTED_LOST_FRAUD	Card reported lost. Applies to all card networks except Visa
REPORTED_STOLEN_FRAUD	Card reported stolen. Applies to all card networks except Visa
CLOSED_ACCOUNT	Closed account or invalid account number. Applies only to Visa
INSUFFICIENT_FUNDS	Insufficient funds or card in delinquent credit status
EXPIRY_DATE_ISSUE	Card expiry issues
INVALID_PIN	Invalid PIN entered
TRANSASCTION_NOT_PERMITTED	Transaction not permitted to the cardholder
SUSPECTED_FRAUD	Suspected fraud due to risk score. Applicable only to Visa and STAR
AMOUNT_LIMIT_EXCEEDED	Violation of the per-transaction velocity limit. Applies to all card networks except Mastercard.
RESTRICTED_CARD	Card used in an OFAC-restricted country (VISA) or frozen card (Mastercard and STAR)
SECURITY_VIOLATION	Suspected fraud. Applicable only to Mastercard
MAX_TRANSACTION_VELOCITY	Exceeds the maximum transaction count in a set period
MAX_PIN_COUNT	Maximum failed PIN attempts exceeded
CARD_FROZEN_OR_CANCELED	Frozen or canceled card
PARTIAL_APPROVAL	The amount approved is less than the authorization request amount
AUTHORIZATION_DELAY	Issuer didn't respond timely. Applicable only to Visa
SYSTEM_ERROR	System error
INVALID_CVV2	Mismatched CVV2 in card-not-present transaction. Applicable only to Visa
CHECKING_ACCOUNT_NOT_FOUND	No checking account found for an ATM balance inquiry
SAVINGS_ACCOUNT_NOT_FOUND	No savings account found for an ATM balance inquiry
INVALID_ACCOUNT	Invalid FROM account for an ATM balance inquiry

Card Replacement/Reissuing

Card Replacement/Reissuing is an activity type that signifies the issuance of a new card to an account holder, which can occur under two distinct scenarios: card replacement or card reissuing. These actions are integral to maintaining account security and ensuring continued access to financial services for the account holder.

• Replacement: This occurs when a card is issued with a new Primary Account Number (PAN). A replacement is typically initiated in response to scenarios such as card loss, theft, or when there's suspected or confirmed fraud associated with the card. The issuance of a new PAN helps safeguard against unauthorized access and fraudulent transactions, essentially providing the account holder with a new account identity for their card-based transactions.

• Reissuing: Unlike card replacement, reissuing involves issuing a new card with the same PAN as the previous card but with a different expiration date (and possibly a new CVV code). Reissuing is common in situations where the card is nearing its expiration date, has been damaged, or when the issuing institution transitions to cards with new security features or designs. The continuity of the PAN facilitates uninterrupted service, as it does not require updating payment information with merchants or service providers where the card is used for recurring payments.

Payroll Deposit Switch

This activity tracks when an account in our program utilizes our PDS solution to instruct their payroll provider to deposit funds directly into their digital wallet.