What does 101.3 mean in the context of Visa Payments?

[tildoescode]

My company is building a POS solution for a large retailer. They requested their terminals to accept cards/transactions (?) of the code 101.3. Even after much digging I didn’t manage to find out what this means in the context of Visa. Can someone give me some hints?

[jenn_kh]

Hi @tildoescode, Thank you for reaching out. An agent will get back to you as soon as possible. Until then, if any community member has information that may be helpful, feel free to reply in this thread. 

[DianaVisaPM]

Hey @tildoescode,

In the context of Visa payments, the code "101.3" refers to a specific response code used in the Visa authorization process. Response codes are numeric codes returned by the issuer during the transaction authorization process, indicating the approval or decline status of the transaction.

For Visa, the response code "101.3" specifically indicates a decline due to "Insufficient Funds". This means that the cardholder does not have enough funds in their account to cover the transaction amount.

When building a POS solution, it's important to handle such response codes appropriately by providing clear messages to the user and allowing them to take corrective actions, such as using a different payment method.

Here is a brief summary of how you might handle this in your POS system:

```javascript
// START 
function handleVisaResponseCode(responseCode) {
switch(responseCode) {
case '101.3':
console.log('Transaction declined: Insufficient Funds.');
alert('Your transaction was declined due to insufficient funds. Please try another payment method.');
break;
// Handle other response codes as necessary
default:
console.log('Transaction response code:', responseCode);
alert('Your transaction could not be processed. Please try again.');
break;
}
}
// END 
```

This code snippet demonstrates handling the "101.3" response code, providing a clear message to the user and suggesting an alternative action.