MyST use codes or status messages to provide further information relating to a transaction. Here is a quick reference guide to the most common ones:
Transaction settlement statuses
MyST transaction statuses include:
Settled / 100 - Settled: Transaction complete. The funds have been settled into your merchant account.
Settling / 10 - Settling: Transfer of funds in progress. Transaction was successful, and the funds are awaiting settlement.
Pending / 0 -Pending: You do not need to take any further action, and will usually settle within 24hours if successful.
Manual / 1- Manual Settlement: The same as "Pending as described above, but fraud and duplicate checks have been manually overridden.
Suspended / 2 - Suspended: Transaction was authorised by the issuing and acquiring banks, but has been suspended. This transaction will not complete unless action is taken. You can view transaction details to establish further information, and perform an update to either cancel or allow the transaction to continue. If, after 7 calendar days, no action has been taken, this will change to cancelled status.
Cancelled / 3 - Cancelled: Transaction has been cancelled. Any reserved funds will be released to the customer. This cannot be reversed/changed.
Decline: Transaction was declined by the acquiring/issuing bank.
Error: Transaction failed due to an error. You can view transaction details to establish further information. Once the issue has been resolved, the request will need to be re-sent.
Status Keys
MyST status keys are often seen within the transaction information to confirm security or fraud statuses.
Security response codes
0 - Not Given
1 - Not Checked
2 - Matched
4 - Not Matched
8 - Partial Match
Fraud reason letter codes
C - Unusual customer activity
E - Customer email used with different cards
G - Customer email/card previously detected as fraudulent
I - Several issue numbers used for card
N - Customer name used with different cards
P - Postcode did not match
S - Security code did not match
V - Customer name contains unexpected characters
X - Several expiry dates used for card
The above also shows the Fraud reason letter codes. In the event a transaction is ever suspended, you can cross reference the above with what shows in MyST against 'Fraud Reason'. There will be a numerical value, indicating the level of risk, and the subsequent letter. Anything over a value of '5' will automatically suspend by Trust Payments.