As a merchant, I implemented an IIAS system, why are card transactions declining?
Merchants who have implemented IIAS systems continue to see declines on healthcare benefit cards. While there have been some isolated issues, both at Merchants and at issuer processors, in the initial implementation of IIAS, the vast majority of transactions are working as intended. That is to say, if the card transaction declines, it is most likely that the decline is valid. A reference document called MOST FREQUENT VALID REASONS FOR CARD DECLINE can be found on the SIGIS website at www.sig-is.org. This list includes the main reasons why properly formatted IIAS transactions at an IIAS merchant can validly decline against cards that are IIAS enabled. This is not intended to be an all-inclusive list, but represents the most common reasons that together account for most declines.
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