Understanding Alt ID Generation
ALT-ID refers to an alternate ID that replaces plain card data in the transaction journey. The ALT-ID generation process is established to comply with the RBI's guidelines for processing card transactions solely through tokens. Even when users do not opt to save their card details, plain card details must not be shared across the ecosystem. This process is similar to tokenization, where a token is generated by the underlying network. This reference is used to process transactions and cannot be stored by any entity, ensuring compliance with security regulations. This measure has been adopted across the industry.
List of ALT-ID Failure Errors and their explanations.
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|
Network
|
Network error_message
|
status_message
|
status_code
|
Error Explanation/Description
|
Action Required from the Merchant.
|
|---|---|---|---|---|---|
ALL
| Contact juspay to register for ALT_ID
| ALT_ID_GENERATION_FAILED
| 400
| Merchant is not onboarded at juspay end
| Contact Juspay support to onboard
|
VISA
| Card can currently not be used with card association for tokenization
| ALT_ID_GENERATION_FAILED
| 400
| PAN is not eligible for ALT_ID
| Ask customer to contact issuing Bank
|
VISA
| unable to decode visa response
| ALT_ID_GENERATION_FAILED
| 400
| Technical issue at networks end.
| Ask customer to try again after some time.
|
VISA
| VISA upstream API error
| ALT_ID_GENERATION_FAILED
| 400
| Network Connection Error
| Ask customer to check card details and try again
|
VISA
| The network token service was unavailable or timed out
| ALT_ID_GENERATION_FAILED
| 400
| Network Connection Error
| Ask customer to check card details and try again
|
VISA
| Invalid body values
| ALT_ID_GENERATION_FAILED
| 400
| Issue with the card, Mismatch in card details
| Ask customer to check card details and try again
|
VISA
| Invalid field expMonth
| ALT_ID_GENERATION_FAILED
| 400
| Format Error of the expMonth
| Ask customer to check card details and try again
|
VISA
| The network token provision request contained data that could not be verified
| ALT_ID_GENERATION_FAILED
| 400
| Declined by Issuer. Reason - Suspected/Expired card or Lost/Restricted Card
| Ask customer to contact issuing Bank
|
VISA
| Card can currently not be used with issuer for tokenization
| ALT_ID_GENERATION_FAILED
| 400
| Declined because Issuers have enabled the BIN ranges without informing Visa.
| Ask customer to contact issuing Bank
|
MASTERCARD
| PAN Ineligible
| ALT_ID_GENERATION_FAILED
| 400
| PAN/tokenRange is not eligible for ALT_ID
| Ask customer to contact issuing Bank
|
MASTERCARD
| Invalid field expMonth
| ALT_ID_GENERATION_FAILED
| 400
| Invalid Card Details (Luhn check failure )
| Ask customer to check card details and try again
|
MASTERCARD
| Invalid PAN
| ALT_ID_GENERATION_FAILED
| 400
| PAN Details are not valid as per the Issuer
| Ask customer to check card details and try again
|
MASTERCARD
| Invalid field expYear
| ALT_ID_GENERATION_FAILED
| 400
| Invalid Card Details (Luhn check failure )
| Ask customer to check card details and try again
|
MASTERCARD
| Connection Timeout
| ALT_ID_GENERATION_FAILED
| 400
| Network Connection Error
| Ask customer to check card details and try again
|
MASTERCARD
| Service unavailable. Typically the server not able to serve the request temporarily. Retry after sometime.
| ALT_ID_GENERATION_FAILED
| 400
| Server issue at mastercard
| Ask customer to try again after some time.
|
MASTERCARD
| One or more fields in the request are either missing or does not have correct value.
| ALT_ID_GENERATION_FAILED
| 400
| Genuine Error from mastercard, happens when mastercard is not able to generate alt id due to configuration issues with issuer
| Ask customer to try again after some time.
|
MASTERCARD
| 504 - Invalid response
| ALT_ID_GENERATION_FAILED
| 400
| Network Connection Error
| Ask customer to try again after some time.
|
MASTERCARD
| Not a mastercard or maestro
| ALT_ID_GENERATION_FAILED
| 400
| Not a mastercard or maestro
| Raise to juspay support to check further
|