问题
We're occasionally seeing a successful authorization of a payment but then when we later capture it we get error code 10626 - Transaction refused due to risk model. Here's the link to the error code:
https://developer.paypal.com/docs/classic/api/errorcodes/#dodirectpayment-10626
I have three questions:
- Why are we able to authorize it in the first place?
- Is contacting the customer really the only way to handle this error or is there something that we can update in our PayPal integration to handle this?
- If so, what should the customer be asked to check or do?
回答1:
It is likely that contacting your customer will just leave him scratching his head; his bank will have no record of having rejected a charge. I have seen that vendors sometimes have success with just waiting for a few hours and trying the charge again. If that doesn't work out, I would contact the customer and ask if he has a different payment method he can use, as the first one is being declind at the processor.
回答2:
I had this issue and error as well. It ended up the customer's bank had the extra 4 digits on the zipcode so for example 95070 was not authorized but 95070-6070 was authorized. Crazy. Manager had to call paypal to figure this out.
回答3:
Do you have any PayPal Fraud products added? If so, the settings of these Fraud product (Fraud Management Filters / Fraud Protection Service) can help you ease the grip. Very stringent settings do not allow a lot of payment to go through.
来源：https://stackoverflow.com/questions/34400566/handling-paypal-error-code-10626-transaction-refused-due-to-risk-model