Do not honor что значит
do not honour
1 Do Not Honour
2 honour
3 honour
4 put smb. on his honour
5 (up)on one’s (word of )honour
They were upon their honour not to tell. — Они поклялись честью, что не расскажут.
6 (up)on one’s (word of )honour
They were upon their honour not to tell. — Они поклялись честью, что не расскажут.
7 (up)on one’s (word of )honour
They were upon their honour not to tell. — Они поклялись честью, что не расскажут.
8 (up)on one’s (word of )honour
They were upon their honour not to tell. — Они поклялись честью, что не расскажут.
См. также в других словарях:
Honour — • May be defined as the deferential recognition by word or sign of another s worth or station Catholic Encyclopedia. Kevin Knight. 2006. Honour Honour … Catholic encyclopedia
Not a Penny More, Not a Penny Less — Cover of the original 1976 Hardback edition … Wikipedia
Honour Moderations — (or Mods) are a first set of examinations at Oxford University in England during the first part of the degree course for some courses (e.g., Greats or Literae Humaniores[1]). Honour Moderations have a class associated with them (hence the honours … Wikipedia
Not from There — Origin London, United Kingdom Genres Alternative rock Indie rock Noise Rock Years active 1991–2001 Labels Trinity Malignant … Wikipedia
Not About Heroes — is a drama by Stephen MacDonald about the real life relationship between the poets Wilfred Owen and Siegfried Sassoon first performed at the Edinburgh Festival in 1982.[1] The play has only two characters: Owen and Sassoon. The story of their… … Wikipedia
Honour — For other uses, see Honour (disambiguation). An illustration of the Burr Hamilton duel of 1804 – Alexander Hamilton defends his honour by accepting Aaron Burr s challenge Honour or honor (see spelling differences; from the Latin word honos,… … Wikipedia
honour — hon|our1 W3 BrE honor AmE [ˈɔnə US ˈa:nər] n ▬▬▬▬▬▬▬ 1¦(something that makes you proud)¦ 2¦(respect)¦ 3 in honour of somebody/something 4¦(given to somebody)¦ 5¦(moral principles)¦ 6¦(at university/school)¦ 7 Your/His/Her Honour … Dictionary of contemporary English
honour — 1 BrE honor AmE noun 1 RESPECT (U) the respect that you, your family, your country etc receive from other people, which makes you feel proud: For the French team, winning tomorrow s game is a matter of national honour. | sb s honour is at stake ( … Longman dictionary of contemporary English
honour — <
Honour and Passion — Infobox Television show name = Honour And Passion zh. 宝家卫国 caption = genre = Contemporary Drama format = runtime = approx. 46 minutes creator = director = producer = writer = starring = Tay Ping Hui Bryan Wong Lu Jiang Felicia Chin Rui En Pierre… … Wikipedia
Do Not Honour
Смотреть что такое «Do Not Honour» в других словарях:
Honour — • May be defined as the deferential recognition by word or sign of another s worth or station Catholic Encyclopedia. Kevin Knight. 2006. Honour Honour … Catholic encyclopedia
Not a Penny More, Not a Penny Less — Cover of the original 1976 Hardback edition … Wikipedia
Honour Moderations — (or Mods) are a first set of examinations at Oxford University in England during the first part of the degree course for some courses (e.g., Greats or Literae Humaniores[1]). Honour Moderations have a class associated with them (hence the honours … Wikipedia
Not from There — Origin London, United Kingdom Genres Alternative rock Indie rock Noise Rock Years active 1991–2001 Labels Trinity Malignant … Wikipedia
Not About Heroes — is a drama by Stephen MacDonald about the real life relationship between the poets Wilfred Owen and Siegfried Sassoon first performed at the Edinburgh Festival in 1982.[1] The play has only two characters: Owen and Sassoon. The story of their… … Wikipedia
Honour — For other uses, see Honour (disambiguation). An illustration of the Burr Hamilton duel of 1804 – Alexander Hamilton defends his honour by accepting Aaron Burr s challenge Honour or honor (see spelling differences; from the Latin word honos,… … Wikipedia
honour — hon|our1 W3 BrE honor AmE [ˈɔnə US ˈa:nər] n ▬▬▬▬▬▬▬ 1¦(something that makes you proud)¦ 2¦(respect)¦ 3 in honour of somebody/something 4¦(given to somebody)¦ 5¦(moral principles)¦ 6¦(at university/school)¦ 7 Your/His/Her Honour … Dictionary of contemporary English
honour — 1 BrE honor AmE noun 1 RESPECT (U) the respect that you, your family, your country etc receive from other people, which makes you feel proud: For the French team, winning tomorrow s game is a matter of national honour. | sb s honour is at stake ( … Longman dictionary of contemporary English
honour — <
Honour and Passion — Infobox Television show name = Honour And Passion zh. 宝家卫国 caption = genre = Contemporary Drama format = runtime = approx. 46 minutes creator = director = producer = writer = starring = Tay Ping Hui Bryan Wong Lu Jiang Felicia Chin Rui En Pierre… … Wikipedia
Объявление
деклайны do not honor, почему?
Здравствуйте уважаемы банкиры,
подскажите такую вещь.
Наш мерчант аккаунт находится в европейском банке, в связи с этим много деклайнов по транзакциям американских клиентов по причине do not honor. Я знаю, что многие американские эмитенты в качестве борьбы с фродом нередко деклайнят транзакции от европейских банков-экваеров. Но как объяснить то, что после нескольких попыток транзакция все таки проходит (с данными кредитки все в норме)?
и что еще подпадает под причину деклайна do not honor?
Вопрос заботит даже Визу
Usage of ‘Do Not Honor’ response code
The most effective way of increasing card usage, and therefore member profitability, is by reducing the number of declined transactions. The
response codes that issuers use become very important when analysing declines as a member can only attempt to reduce their declines if
they know why they are issuing them in the first place.
Response code 05 ‘Do not Honor’ should not be used as a ‘default’ response code. ‘Do not Honor’ informs us that a transaction has been
declined but does not give us a specific reason for the decline, for this reason we recommend that issuers use a more specific reason code
instead, where possible.
Below is a table listing some of the reasons members have given for using ‘Do not Honor’ with alternative response codes suggested where
appropriate.
Короче, что хотят эмитенты, то и творят, и выяснить можно только у них.
Understanding ‘05: Do Not Honor’
The 05: Do Not Honor card declined response is the most common and general ‘decline’ message for transactions that are blocked by the bank that issued the card. This week Finance Monthly hears from Chris Laumans, Adyen Product Owner, on the complexities of this mysterious and vague transaction response. 05: Do Not Honor may be […]
The 05: Do Not Honor card declined response is the most common and general ‘decline’ message for transactions that are blocked by the bank that issued the card. This week Finance Monthly hears from Chris Laumans, Adyen Product Owner, on the complexities of this mysterious and vague transaction response.
05: Do Not Honor may be the largest frustration for any merchant that regularly analyses their transactions. Although it frequently accounts for the majority of refusals, it is also the vaguest reason, leaving merchants and their customers at a loss about how to act in response.
Although unfortunately there isn’t an easy, single answer about what this refusal reason means, there are several suggestions as to what could be the cause behind the non-descript message. So what might the 05: Do Not Honor mean? From our experiences anal ysing authorisation rates and working with issuers and schemes, here are some plausible explanations.
Insufficient funds in disguise
In probably half of the cases, 05: Do Not Honor is likely just an Insufficient Fund refusal in disguise. Reality is that some issuers (or their processors) do a poor job of returning the appropriate refusal reasons back to the merchants. This is both due to the use of legacy systems at the issuer side as well there being no mandates or monitoring by the schemes on this, letting issuers continue to use it as a blanket term.
By looking at the data from various banks, it is easy to see how “Do Not Honor” and Insufficient Funds can often be used interchangeably. Records that show a disproportionately high level of Do Not Honor and a low level of Insufficient Fund refusals would suggest one masquerading as the other. Given that Insufficient Funds is one of the most common refusal reasons, 2 nd maybe only to “Do Not Honor”, it makes sense that “Do Not Honor” by some banks may actually represent Insufficient Funds.
Refusal due to credential mismatches
Although the words “Do Not Honor” aren’t the most revealing, sometimes other data points in the payment response can be clues for the refusal. Obvious things to look at are the CVC response, card expiry date, and, to a lesser extent, the AVS response. For lack of a better reason, issuers will frequently default to using “05: Do Not Honor” as the catch-all bucket for other denials.
Suspicion of fraud
The most appropriate use of “05: Do Not Honor” would be for declining transactions due to suspicious activity on the card. In some cases, although the card is in good standing and has not been reported lost or stolen, an issuer might choose to err on the side of caution due to a combination of characteristics on a given transaction. For example, a high value transaction made at 3am from a foreign based merchant without any extra authentication, likely will trigger a few too many risk checks on the issuer side. These types of refusals will again unfortunately be designated into the “05: Do Not Honor” category, with merchants drawing the short straw. Even though issuers may be able to point to specific reasons why the transaction was refused, issuers have no way to communicate this back to the merchant.
Some astute merchants might point out that issuers should be able to use “59: Suspected fraud” in these cases. Some issuers however remap these 59 refusal reasons to 05 before sending the response to the acquirer to protect store owners in the POS environment and avoid uncomfortable situations with the shopper standing in front of them.
Collateral damage
Finally, the reality is that your likely not the only merchant that a given shopper interacts with. Regardless of how good your business is or how clean your traffic is, a shopper’s recent history with other merchants will influence the issuers decision on your transaction. For lack of a better reason, the catch-all 05: Do Not Honor refusal in some cases be seen as “Collateral damage”. If the shopper coincidentally just made a large purchase on a high-risk website or went on a shopping spree before reaching your store, there is the possibility that the issuer may decline the transaction at that moment in time. In these cases, there is unfortunately very little that can be done, except to ask for another card or to try again later.
Hopefully this helps shed some light on the possible reasons why ‘05: Do Not Honor’ is so dominant in the payment space and that there is no single reason for this response. Adyen’s advice to dealing with these refusals is to look at the data at individual issuer/BIN levels and from there, try to distil patterns particular to those bank’s shoppers.
Do Not Honor: Meaning, Causes, & What to Do
Do not honor reject codes are common in credit card transactions (especially in eCommerce) and are often frustratingly vague. Merchants are left without a lot of information, and this can be a bit flustering — especially when you’re standing in front of a customer who’s trying to pay.
We’re going to cover what do not honor codes mean, the possible reasons your system may be firing one, and your best bet for resolving the issues.
What does do not honor mean?
A do not honor (decline code 05) fired by card-issuing banks like Chase means the customer’s bank will not validate the transaction and is refusing to send an authorization token back to your system.
In other words, the customer’s bank, for some reason, is saying no thank you to the transaction. The authorization is denied, meaning no funds will be transferred and that transaction cannot be completed.
Okay. So if a transaction comes back as Do Not Honor… why?
Possible reasons for a credit card declined code 05
There are a few main reasons that a do not honor code are fired, some offering a bit more clarity than others:
Here’s the deal. Sometimes when a bank doesn’t have a clear reason why a charge is denied, it will opt for “Do Not Honor” as a sort of catch-all denial. This is especially true in older systems that aren’t as up to date as they should be. It’s just kind of the default bucket that issuing banks punt to when they can’t be more specific for any number of reasons.
And just because a card was marked with Do Not Honor does not mean it’s being marked as fraudulent. In fact, most declined transactions aren’t related to fraud at all and are more commonly related to a customer error.
Here’s how Visa explains it:
The vast majority of declined transactions have nothing to do with fraud. Usually, they have a good risk score, but get turned down because of much more basic checks and balances. Visa’s Global Declines Transaction Analysis in 2016 has shown that more than 76% of all global transaction volumes that Visa issuers declined are tagged either as ‘insufficient funds’ or ‘do not honor’. In addition, some US$8 billion in card not present declines are due to ‘expired card’.
The issue is that, in many instances, these declines are the result of somewhat arbitrary authorization decisions. For example, the cardholder may have inadvertently ended up on the wrong side of an authorization parameter (perhaps because, after a sudden spate of spending, they failed a velocity check); they may have forgotten to inform their issuer that they are traveling overseas (and stumbled into a geographical block); or, they may have reached the upper end of their credit limit (even though they have plenty of money sitting in their savings account).
In other words, you shouldn’t always accuse a customer of having made an error, but chances are it’s something on their end.
So what do you do when you’re in this situation?
What to do with a do not honor credit card transaction
There are a few options. Typically employees will try the transaction again, which is fair, but it probably won’t have much of an effect on “do not honor” denials.
Assuming that doesn’t work, here are your basic options:
There aren’t many other options besides those, and unfortunately, you’ll probably never receive more information about why that transaction fired back a Do Not Honor code.
Using automation to mitigate do not honor damage
Just because a transaction fired a Do Not Honor in an online transaction doesn’t mean that revenue has to be lost forever. There are a few things you can build into your system to help reduce lost revenue due to failed transactions:
This is just scratching the surface, but having a comprehensive payment system that works for you in every possible customer situation goes a long way (especially at scale).
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