Card Payment Error Codes

HTTP Response

When a card payment is declined due to an issuer rejection, the checkout API returns an HTTP 400 response. This is an expected response code indicating that the payment was not approved.

The response body contains the following fields:

Field	Type	Description
`msg`	string	A short description of the decline reason.
`protection`	boolean	Whether chargeback protection applies to this transaction.
`paymentId`	string	The unique identifier for the payment attempt.
`code`	string	The issuer decline code (see table below).
`title`	string	A short title describing the decline reason.
`message`	string	A detailed message explaining the decline.
`action`	string	A recommended action for the customer to resolve the issue.
`debugId`	string	A unique identifier for debugging purposes.

Example Response

{
    "msg": "The transaction is suspected of fraud.",
    "protection": false,
    "paymentId": "d19f82b2-214e-49cc-9f9b-07398c91cda9",
    "code": "59",
    "title": "Suspected Fraud",
    "message": "The transaction is suspected of fraud.",
    "action": "Contact your bank to confirm the legitimacy of the transaction and request approval.",
    "debugId": "9d3698c43eda078c793c65b50fd05c90"
}

Bank/Network Error Codes

Code	Title	Message	Action
01	Refer to Issuer	Your transaction has been declined.	Call the phone number on the back of your credit card to speak with your bank and inquire about the decline.
02	Refer to Issuer, Special Condition	This transaction requires special authorization.	Call your bank using the phone number on the back of your credit card to discuss the specific details of this transaction.
03	Invalid Gateway	Technical issue at your bank. Try again later.	Due to a technical issue at your bank, this transaction was declined. Please try again later.
04	Pickup Card	Your card has been reported lost or stolen.	Call your bank to report the issue and request a replacement card.
05	Do Not Honor	Sorry, your card cannot be authorized at this time.	Call your bank to inquire about the reason for the decline and seek guidance on resolving the issue.
06	Error	Your transaction has been declined.	Retry the transaction, and if the issue persists, contact your bank for further assistance.
07	Pick Up Card, Special Condition	Your card has been reported as lost or stolen, and special conditions apply.	Call your bank to report the issue and discuss the special conditions for resolution.
10	Partial Approval	Your transaction has been partially approved. Please use another payment method for the remaining amount.	Use an alternative payment method for the remaining balance of your purchase.
12	Invalid Transaction	The transaction is invalid.	Review the transaction details and try again. If the problem persists, contact your bank for support.
13	Invalid Amount	The transaction amount is invalid.	Verify the transaction amount and try again. If the issue persists, contact your bank for clarification.
14	Invalid Card Number	The card number entered is invalid.	Verify and re-enter the card number. If the problem persists, contact your bank for guidance.
15	No Such Issuer	The card issuer is not recognized.	Call your bank to ensure that your card information is correct and that there are no issues with your account.
19	Re-enter Last Transaction	Please re-enter your last transaction.	Retry the transaction. If the problem continues, reach out to your bank for further guidance.
25	Unable to Locate Record	Unable to locate the record. Please verify your card details or contact your card issuer for assistance.	Double-check your card details and try again. If the issue persists, contact your bank for support.
28	File is Temporarily Unavailable	The file necessary for processing is temporarily unavailable. Please try again later or contact your card issuer.	Wait for some time and try the transaction again. If the problem persists, contact your bank for assistance.
33	Expired Card	Your card has expired. Please use a valid card for this transaction.	Check the expiration date on your card and use a valid card for the transaction.
41	Lost Card, Pick Up	Your card has been reported as lost. Please contact your bank to resolve the issue.	Call your bank immediately to report the lost card and request a replacement.
43	Stolen Card, Pick Up	Your card has been reported as stolen. Please contact your bank to resolve the issue.	Call your bank immediately to report the stolen card and request a replacement.
46	Account Closed	This Account is Closed. Please contact your bank for assistance.	Call your bank to inquire about why your accout with them is no longer active.
51	Insufficient Funds	There are not enough funds in your account to complete this transaction.	Check your account balance and, if necessary, add funds to your account. Alternatively, use a different payment method.
54	Expired Card	Your card has expired. Please use a valid card for this transaction.	Check the expiration date on your card and use a valid card for the transaction.
57	Transaction Not Permitted to Cardholder	This type of transaction is not permitted on your card.	Call your bank to verify the restrictions on your card and seek guidance on how to proceed.
58	Transaction Not Permitted to Cardholder	This type of transaction is not permitted on your card.	Call your bank to verify the restrictions on your card and seek guidance on how to proceed.
59	Suspected Fraud	The transaction is suspected of fraud.	Contact your bank to confirm the legitimacy of the transaction and request approval.
61	Exceeds Withdrawal Limit	The transaction exceeds the withdrawal limit on your account.	Please choose a different payment method or contact your bank for a limit increase.
62	Card not activated	Card not activated yet	This is the first use of a new card which you have not activated yet. Please call the number on the card to activate your card.
63	Security Violation	The transaction has been declined due to a security violation. Please contact your card issuer for resolution.	Contact your bank to discuss the security violation and seek guidance on how to resolve the issue.
65	Decline Activity Limit Exceeded	Transaction declined due to activity limits being exceeded. For security reasons, please contact your card issuer.	Reach out to your bank to discuss the decline and verify if there are any activity limits in place on your account.
70	Contact Card Issuer	Your card issuer needs to speak with you before this transaction can be approved.	Call your bank using the phone number on the back of your card to resolve the issue, then try again.
72	Account Not Yet Activated	This account has not been activated yet.	Contact your bank to activate your card before attempting to use it for transactions.
78	Blocked Account	Your account has been blocked. Please contact your card issuer for assistance.	Call your bank to inquire about the account block and seek guidance on how to resolve the issue.
82	CVV Mismatch	The CVV provided does not match.	Double-check the CVV (Card Verification Value) on the back of your card and ensure it matches the one provided during the transaction.
83	Fraud/Security	Decline due to fraud/secuirty suspicion.	Please retry your purchase, or contact your bank for assistance.
88	System Malfunction	There is a system malfunction. Please try again later or contact your card issuer for assistance.	Wait for some time and try the transaction again. If the problem persists, contact your bank for support.
91	Issuer or Switch is Inoperative	The card issuer or switch is temporarily inoperative. Please try again later or contact your card issuer for assistance.	Wait for some time and try the transaction again. If the problem persists, contact your bank for support.
93	Violation, Cannot Complete	The transaction cannot be completed due to a violation. Please contact your card issuer for assistance.	Contact your bank to discuss the violation and seek guidance on how to complete the transaction.
96	System Malfunction	There is a system malfunction. Please try again later or contact your card issuer for assistance.	Wait for some time and try the transaction again. If the problem persists, contact your bank for support.
97	CVV Mismatch	The CVV provided does not match.	Double-check the CVV (Card Verification Value) on the back of your card and ensure it matches the one provided during the transaction.
99	Invalid Input	The information you entered was invalid.	Please check the credit card number, CVV, and expiration date and resubmit.
5C	Transaction Not Supported	This transaction type is not supported or has been blocked by your card issuer.	Call your bank to verify whether this type of transaction is supported on your card.
9G	Transaction Frequency Limit Exceeded	Too many transactions attempted in a short period.	Please wait a few minutes before attempting another transaction, or contact your bank for assistance.
N7	CVV Mismatch	The CVV provided does not match.	Double-check the CVV (Card Verification Value) on the back of your card and ensure it matches the one provided during the transaction.
103	Fraud Suspicion	The transaction is suspected of fraud.	Contact your bank to confirm the legitimacy of the transaction and request approval.
340	Card is locked	Your card is locked or restricted by you or your bank.	Unlock the card in your banking app, or call your bank to lift the restriction. Then try again.
870	3DS Verification Failed	Card has failed 3DS recently	Please try a different card or wait a few minutes before retrying. If the issue persists, contact your bank.
871	Payment Method Blocked	Payment method is blocked	This payment method cannot be used. Please use a different card or payment method.
872	Payment Method in Use	Payment method is associated with another account	This payment method cannot be used. It is associated with another account. Please use a different card or payment method.
873	Name Verification Failed	Name on card does not match	Please ensure the name on your card matches your account information exactly.
874	Daily Purchase Limit Reached	Customer has reached daily purchase limit	You have reached the daily purchase limit. Please try again tomorrow or contact support for assistance.
875	Unsupported Country	This card cannot be used.	Please use a card issued from a different country
876	Unsupported State	Billing address indicates this transaction is from an unsupported state.	Transaction not allowed.
877	Unsupported State By IP	Geolocation indicates this transaction is from an unsupported state.	Transaction not allowed.
878	Unsupported Location	Browser-reported location indicates this transaction is from an unsupported region.	Transaction not allowed.
879	Unsupported Country	The card BIN indicates it was issued in an unsupported country.	Please use a card issued from a different country.
880	Debit Card Required	Only debit cards are accepted.	Please use a debit card instead of a credit or prepaid card.
886	Country not supported	Cards issued in your country are not supported.	Please try a different card.
887	Apple Pay/Google Pay is currently not available. Please enter your card details manually	Apple Pay/Google Pay is currently not available. Please enter your card details manually	Please enter your card details manually
888	Address Verification Failure	Address does not match cards billing address	Please enter the cards billing address and try again
889	Card Brand Not Supported	Card Brand is not supported	Please use a different card brand and try again.
997	User Failed 3DS Challenge	Failed Challenge	Please retry the purchase or try a different card.
998	3DS Rejected	Your Bank Rejected the Request	Please contact your bank support to resolve the issue.
999	Failed Chargeback Protection Checks	Your purchase was declined, and no charges were made.	Any pending transactions will disappear from your bank statement within 24 hours.

Processor-Specific Response Codes

These codes are unique to specific card processors and are not part of the standard bank/network code set above.

Code	Title	Message	Action
222	No Card Number on File	No card number on file with the issuer.	Please contact your bank for assistance.
224	Invalid Expiration Date	The expiration date entered is invalid.	Please verify the expiration date on your card and try again.
226	Invalid PIN	The PIN entered is incorrect.	Please verify your PIN and try again.
261	Decline - Further Instructions	Transaction declined. Further action required.	Please contact your bank for specific instructions.
262	Decline - Stop Recurring	Recurring payments have been stopped on this card.	Contact your bank if you wish to re-enable recurring payments, or use a different card.
263	Decline - Stop All Recurring	All recurring payments have been stopped on this card.	Please contact your bank or use a different payment method.
264	Decline - Retry Later	Transaction declined. Please try again later.	Wait a few minutes and retry, or contact your bank for assistance.
410	Invalid Merchant Configuration	There is an issue with the merchant account configuration.	Please contact support for assistance.
411	Merchant Account Inactive	The merchant account is currently inactive.	Please contact support for assistance.
430	Duplicate Transaction	This appears to be a duplicate transaction.	Please check your account to see if the transaction already went through.
440	Format Error	There was a format error in the transaction data.	Please verify your payment information and try again.