Activity
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 Types
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.
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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.
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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.
