The following documentation only applies to transactions processed using TRU Connect with TRU Acquiring as the acquiring bank.
Note: The “CHALLENGE” response is only returned for merchants on the Enhanced tier.
Providing the transactions were authorised by the issuing bank, payments flagged with “CHALLENGE” will be left in a suspended state (assigned settlestatus value 2). This allows you to follow your own procedures to investigate and ultimately approve or reject the affected transactions.
Transactions that are left in a suspended state for 7 days are automatically cancelled.
During checkout, the customer’s browser will have displayed a success message as usual. It is your responsibility to contact the customer to communicate any delays, changes or cancelations to their order.
How to action:
- To allow suspended transactions to be settled, the settlestatus would need to be updated to value 1 (Manual settlement).
- To cancel a suspended transaction, the settlestatus would need to be update to value 3 (Cancelled) (Note: This is a permanent state. Cancelled payments cannot be settled).
To update the settlestatus of suspended transactions, you can either use MyST (our web portal), or submit a TRANSACTIONUPDATE request using our Webservices API.
