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Does FlexPay Consider MasterCard MAC and VISA CAT When Processing Transactions?

Yes, FlexPay considers Visa Categories (CAT) and MasterCard Merchant Advice Codes (MAC) when attempting transactions and does not attempt transactions that are not permitted. As an example, Visa CAT 1 is described as “Issuer will never approve” and transactions that fall in this category will always be returned with a 3XXXX response code with no retry date. MasterCard’s MAC 03 (Do not try again) and 21 (Payment canceled) will similarly not be attempted. We follow Visa core rules and Visa product and service rules exactly as defined.

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