Please be aware that we have recently received some new information regarding "declined card" messages. Some banks have now started to use different messages for this, as follows:
- Lloyds TSB - "Request Invalid"
- Barclays - "Not Authorised"
- Bank of Scotland - "Do Not Use"
Therefore if your acquirer/bank is with any of the above, your customers might see these messages instead of "Declined". In addition, it is possible the customer's bank, if it is one of the above, might issue such a message (e.g. if funds are insufficient to cover the transaction).