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Many times I have found INSTRUMENT_DECLINED error with my REST API application after a payment process.
This means that I had a successfull authorization but the "execute" command did not work and the transaction was not finalized.
This cause to me a lot of problem because the user received all notifications from his bank/card and the transaction looks completed from his point of view but I cannot process the purchase because of this INSTRUMENT_DECLINED on "execute".
Am I the only one with this problem, how usually is managed this problem?