Enhanced feedback exposure for merchants based on transaction metadata

A data share computing device configured to provide information corresponding to one or more reasons relating to an authorization decision for a payment card transaction between a merchant and a user, the data share computing device comprising:

• one or more processors, and
• memory storing instructions that, when executed by one or more processors, cause the data share computing device to:
• receive, from a merchant device and via a first application programming interface (API), supplemental transaction metadata comprising one or more data elements corresponding to one or more attributes of the payment card transaction wherein the supplemental transaction metadata is associated with a concurrent transmission of payment card information, for the payment card transaction, by the merchant device to a payment processing service;
• generate a reference ID for the payment card transaction;
• send, to the merchant, the reference ID;
• store, in a database, at least a portion of the supplemental transaction metadata in association with the reference ID;
• receive, via a second interface different from the first API and from the payment processing service, payment card authorization information corresponding to the payment card transaction, wherein the payment card authorization information indicates whether the payment card information was approved by the payment processing service;
• determine, based on timing requirements of the payment processing service and based on the supplemental transaction metadata received from the merchant device and the payment card authorization information received from the payment processing service, whether the payment card transaction is authorized;
• determine one or more reasons why the payment card transaction was or was not authorized;
• send, to the merchant device and based on the payment card authorization information and the supplemental transaction metadata, an authorization decision indicating whether the payment card transaction was authorized;
• receive, from the merchant device, a request for additional information, wherein the request for additional information comprises the reference ID;
• and
• send, to the merchant device and in response to the request for additional information, information corresponding to the determined one or more reasons.

One or more non-transitory computer-readable media storing instructions that, when executed by one or more processors, cause a computing device to provide information corresponding to one or more reasons relating to an authorization decision for a payment card transaction between a merchant and a user by causing the computing device to perform steps comprising:

• receiving, by the computing device and from a merchant device via a first application programming interface (API), supplemental transaction metadata comprising one or more data elements corresponding to one or more attributes of the payment card transaction, wherein the supplemental transaction metadata is associated with a concurrent transmission of payment card information, for the payment card transaction, by the merchant device to a payment processing service;
• generating, by the computing device, a reference ID for the payment card transaction;
• sending, by the computing device and to the merchant, the reference ID;
• storing, by the computing device and in a database, at least a portion of the supplemental transaction metadata in association with the reference ID;
• receiving, by the computing device and from the payment processing service via a second interface different from the first API, payment card authorization information corresponding to the payment card transaction, wherein the payment card authorization information indicates whether the payment card information, was approved by the payment processing service;
• determining, by the computing device, based on timing requirements of the payment processing service, and based on the supplemental transaction metadata received from the merchant device and the payment card authorization information received from the payment processing service, whether the payment card transaction is authorized;
• determining, by the computing device, one or more reasons why the payment card transaction was or was not authorized;
• sending, by the computing device, to the merchant device, and based on the payment card authorization information and the supplemental transaction metadata, an authorization decision indicating whether the payment card transaction was authorized;
• receiving, by the computing device and from the merchant device, a request for additional information, wherein the request for additional information comprises the reference ID;
• and
• sending, by the computing device, to the merchant device, and in response to the request for additional information, information corresponding to the determined one or more reasons.