A Response Code of 4 signifies that the transaction is under review and awaiting merchant action. This may be due to triggering one of the Advanced Fraud Detection Suite (AFDS) filters set within the Merchant Interface, or because an eCheck.Net transaction is pending review.

If you are using AFDS, follow these steps to review any transactions that may have been filtered:

1. Log into the Merchant Interface.
2. Click on Tools from the main toolbar.
3. Select Fraud Detection Suite from the main left side menu.
4. You will see a list of the filters you have activated in your settings and the number of transactions that have triggered those filters. Click the number to the left of any filter.
5. In the list of transactions that appear, click the Transaction ID to bring up the transaction details.
6. Depending on the action you wish to take, click Approve or Decline.

If you are using eCheck.Net, note that refund transactions will be pending review immediately while we confirm that your eCheck.Net Settlement Balance has sufficient funds to cover the refund. Also, if you are approaching your eCheck.Net monthly transaction volume limit, you may see charge transactions pending review while we determine whether the limit would be exceeded by your most recent eCheck.Net transactions.