A general catch-all for authorization problems — expired, invalid, or improperly obtained authorization.
The transaction's authorization doesn't meet Mastercard's requirements — expired, declined, or never actually obtained.
Usually a processing/gateway issue; your authorization logs are the entire case.
Your gateway's authorization request/response log for the exact transaction.
Submit the full authorization log showing a valid, timely approval was obtained.
Not retaining authorization logs long enough to respond to a dispute filed weeks or months later.
Retain authorization logs for at least as long as your chargeback window allows disputes.
Flat monthly fee, keep 100% of what you win.
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