When transactions are processed through the switch, responses are generated that reflects either success or failure. These failures are however categorized as valid or invalid to help accurately measure the switch’s true performance and success rate.
Valid Failures
These are failures that occur as a result of system processing issues, meaning that the switch received and attempted to process the transaction but encountered a technical error along the way.
Transactions under this category are usually counted as part of the total failed transaction volume on your dashboard.
Some examples of valid failures include;
Error 96: System malfunction
Error 97: Timeout or invalid response
Invalid Failures
Invalid failures on the other hand are failures that occur not due to any processing error, but rather from business rule validations (e.g customer, issuer, or account conditions).
The switch processes these transactions correctly, however, the feedback received simply relays the response received from the receiver's bank.
Some examples of invalid failures include;
Error 05: Do not Honour
Error 51: No Sufficient Funds
Error 61: Transfer Limit Exceeded
Why This Categorization Matters
It helps to accurately reflects how well the switch performs its core function of routing, processing, and completing transactions effectively. This also helps institutions prioritize their troubleshooting efforts where necessary.
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