7b7c4f6f_various_Reason_Codes_indicate___Description
[Reason Code] 520 [Reply Flag (SCMP)] DSETTINGS [Possible Action] Do not capture the authorization without further review. Review the ccAuthReply_avsCode, ccAuthReply_cvCode, and ccAuthReply_authFactorCode fields to determine why CyberSource rejected the request. [Description] 
Soft Decline - The authorization request was approved by the issuing bank but declined by CyberSource based on your Smart Authorization settings.
CyberSource Support Center - What do the various Reason Codes indicate?
Description