A payment decline is an attempt that does not receive approval. A card issuer may reject authorisation, while a payment route can expose other rejection reasons. A soft decline may permit recovery; a hard decline should not simply be retried.[1] A timeout with unknown status is not necessarily a definitive decline.
Use the returned status to choose an appropriate next step, such as authentication or another method. Do not speculate about the customer's bank balance. Before retrying, check whether the original transaction ultimately succeeded so the order is not paid twice.
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Compiled with AI assistance using public sources. General explanation, not individual legal or tax advice. Describing a concept does not mean Zoloo offers it as a feature.