> For the complete documentation index, see [llms.txt](https://support.xplorpay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://support.xplorpay.com/transactions-batches-deposits/visa-system-integrity-fee.md). # Visa System Integrity Fee Understand Visa System Integrity Fee types, thresholds, and statement entries. Visa introduced System Integrity Fees in April 2021. The domestic card transaction rate is $0.10. The international card transaction rate is $0.15. The two System Integrity Fee types are **Never Approve** and **Excessive Declines**. ### Never Approve fee The Never Approve fee applies when you retry a card that the issuer will never approve. An invalid card number is one example. The fee applies to each attempt after the first. ### Excessive Declines fee The Excessive Declines fee applies when you attempt a transaction more than 15 times. The fee begins with the 16th attempt during a rolling 30-day period. ### Avoid System Integrity Fees * Do not retry a card after an issuer will never approve it. * Do not attempt the same transaction more than 15 times in 30 days. ### Find fees on your statement Your merchant statement can show these entries: * **Visa Never Approve Reattempt Domestic Card Fee** * **Visa Never Approve Reattempt International Card Fee** * **Visa Excessive Decline Reattempt Domestic Card Fee** * **Visa Excessive Decline Reattempt International Card Fee** ### Common reasons for incurring the SIF and how to avoid it Use this table to identify common System Integrity Fee triggers and the actions that prevent them. | Reason for SIF Assessment | How to Avoid a SIF Assessment | | -------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------- | | The issuer returns a Category 1 decline response code. Any reattempt of the transaction may incur a fee. | Do not reattempt the transaction when you receive a Category 1 decline response code. | | More than 15 decline reattempts within a 30-day period for transactions that receive Category 2, 3, or 4 decline response codes. | Do not repeatedly submit the same transaction. Review the decline details and resolve the issue before reattempting. | | Excessive fallback transactions occur when a chip card is processed using a magnetic stripe because the terminal cannot process chip transactions. | Configure terminals to correctly accept and process chip card transactions. | ### Decline Response Codes Use this table to identify the category assigned to each decline response code. Category 1 codes indicate that you must not retry the transaction. Categories 2 through 4 help determine the next action.
CategoryDescriptionResponse codes
1Issuer will never approve04 — Pick up card [no fraud]
07 — Pick up card, special condition [fraud account]
12 — Invalid transaction
14 — Invalid account number [no such number]¹
15 — No such issuer [first eight digits do not relate to an issuer identifier]
41 — Lost card, pick up
43 — Stolen card, pick up
46 — Closed account
57 — Transaction not permitted to cardholder
R0 — Stop payment order²
R1 — Revocation of authorization order²
R3 — Revocation of all authorizations order²
2Issuer cannot approve at this time03 — Invalid merchant
19 — Re-enter transaction
39 — No credit account
51 — Not sufficient funds
52 — No checking account
53 — No savings account
59 — Suspected fraud
61 — Exceeds approval amount limit
62 — Restricted card [card invalid in region or country]
65 — Exceeds withdrawal frequency limit
75 — Allowable number of PIN-entry tries exceeded
78 — Blocked, first used, or special condition [account is temporarily blocked]
86 — Cannot verify PIN
91 — Issuer or switch inoperative
93 — Transaction cannot be completed — violation of law
3Data quality — revalidate payment information54 — Expired card or expiration date missing
55 — PIN incorrect or missing
70 — PIN data required [Europe region only]³
82 — Negative Online CAM, dCVV, iCVV, or CWV results
1A — Additional customer authentication required [Europe region only]³
6P — Verification failed [cardholder identification does not match issuer records]
N7 — Decline for CVV2 failure
4Generic response codesAll other decline response codes
¹ Response code 14 is a Category 1 response code and no reattempts are permitted. It is also a Data Quality error and is included in the calculation of Data Quality fees.\ ² Response code R0, R1 & R3 are subject to VSPS pricing therefore the Never Approve Reattempt Fee will not be applied.\ ³ Response code 70 and 1A will not be included in the calculation of Data Quality Fees. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://support.xplorpay.com/transactions-batches-deposits/visa-system-integrity-fee.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.