Meaning
With an EMV card, both the card issuer and the chip on the card must approve or decline the transaction. The chip must approve the transaction first, then it sends the transaction to the issuer for approval. If the issuer approves the transaction they send it back to the chip for the final decision.… Read More “What does “Declined: Cryptogram type ‘ARQC’ received in Complete message. 2nd decision was not made. (12)” mean?”