If you get the status code: 40400 - Backend Problem. It means that the cardholders’ bank backend is not responding fast enough on the request to process the transaction. The timeframe for how long the transaction can wait for a response is set by Visa/MasterCard, and can not be adjusted.

You can try again, and if it still not possible to capture the transaction, you should instruct the cardholder to contact their bank.

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