Failure Code & Message

Generic API Error

HTTP Method
Error Type
Error Code
Message
Scenario

400

API_ERROR

api_validation_error

The request was invalid, or an error occurred in downstream provider

User hit any endpoints with invalid payload

401

API_ERROR

credentials_invalid

Access token is invalid, please verify that the authentication is provided and valid

User hit any endpoints but can't authenticate its API Access

403

API_ERROR

resource_not_complete

Please verify that the setup is complete

User hit any endpoints but not set mandatory setup like redirect url, etc

403

API_ERROR

forbidden_access

Provided API Key does not have the correct permissions to perform the operation

User is already authenticated but hit endpoints which out of scope of the authorization

404

GATEWAY_ERROR

not_found

The requested URL does not exist

User is already authenticated but hit wrong endpoints

404

GATEWAY_ERROR

resource_missing

The $resource with ID $id cannot be found

User is already authenticated but can't found the resources with specific ID

409

GATEWAY_ERROR

duplicate_error

There's already existing record with the provided details

User is already authenticated and send payload request which conflicted with existing resource

409

API_ERROR

idempotency_error

The same Idempotency-key was provided with a different payload

User is already authenticated and send same idempotency key with different payload request, can be different data or different endpoint

429

API_ERROR

frequency_above_limit

The frequency limit of $resource is reached for operation $operation

User hit same endpoints repeatedly many times in short period

500

GATEWAY_ERROR

internal_error

An internal error was encountered. Please Try again later

User is hit any endpoints but the pivot's server has encountered a problem

502

GATEWAY_ERROR

bad_gateway

An internal error was encountered. Please Try again later

User is hit any endpoints but the pivot's server has encountered a problem

503

GATEWAY_ERROR

service_unavailable

An internal error was encountered. Please Try again later

User is hit any endpoints but the pivot's server has encountered a problem

504

GATEWAY_ERROR

gateway_timeout

An internal error was encountered. Please Try again later

User is hit any endpoints but the pivot's server has encountered a problem

Charge Failure

Failure Code
Failure Message
Recommendation
Card
QR
Virtual Account
Ewallet

DECLINED_BY_CHANNEL

{{paymentSession.paymentMethod.type}} payment failed.

The transaction was declined by the channel

[[ if CARD ]]

The cardholder should contact their issuer for clarification. The shopper can try again after resolving the issue with their issuer, or use another payment method.

[[ if EWALLET ]]

The user should contact their EWallet provider for clarification. The shopper can try again after resolving the issue with their issuer, or use another payment method.

IssuerAuthorizationCode

  • 01

  • 03

  • 05

  • 06

  • 12

  • 13

  • 22

  • 40

  • 57

  • 61

  • 62

  • 63

  • 64

  • 65

  • 6P

  • 70

  • 82

  • 92

  • 93

  • 100

  • 109

  • 110

  • 115

-

-

TBD

DECLINED_BY_CHANNEL

{{paymentSession.paymentMethod.type}} payment failed.

[[ if CARD ]]

The transaction was declined by the issuer due to the card has already expired.

[[ if CARD ]]

The shopper should try again with another valid card or use another payment method.

IssuerAuthorizationCode

  • 54

  • 101

-

-

TBD

DECLINED_BY_CHANNEL

{{paymentSession.paymentMethod.type}} payment failed.

[[ if CARD ]]

The transaction was declined by the issuer due to the submitted CVV is invalid.

[[ if CARD ]]

The shopper should try again with another valid card or use another payment method.

IssuerAuthorizationCode

  • 82

  • N7

-

-

TBD

INVALID_ACCOUNT

{{paymentSession.paymentMethod.type}} payment failed.

[[ if CARD ]]

The transaction was declined by the issuer due to the card being marked as invalid.

[[ if EWALLET ]]

The transaction was declined by the partner due to the account being marked as invalid.

[[ if CARD ]]

The shopper should try again with another valid card or use another payment method.

[[ if EWALLET ]]

The shopper should try again with another valid account or use another payment method.

IssuerAuthorizationCode

  • 14

  • 15

  • 21

  • 46

  • 52

  • 53

  • 78

  • 79

  • 111

-

-

TBD

AUTHENTICATION_FAILED

{{paymentSession.paymentMethod.type}} authentication failed.

[[ if CARD ]]

The 3DS attempt was rejected by the issuer.

[[ if CARD ]]

The cardholder should contact their issuer for clarification. The shopper can try again after resolving the issue with their issuer, or use another payment method.

authenticationResult.threeDsResult = FAILED

-

-

TBD

SUSPECTED_FRAUD

{{paymentSession.paymentMethod.type}} payment failed.

[[ if CARD ]]

The transaction was declined by the issuer due to the card being marked as stolen or potential fraud.

[[ if CARD ]]

The card was reported as lost, the shopper should be validated for authenticity and be referred to their issuer.

IssuerAuthorizationCode

  • 04

  • 07

  • 41

  • 43

  • 200

-

-

-

SUSPECTED_FRAUD

{{paymentSession.paymentMethod.type}} payment failed.

The transaction was declined by channel due to the account being blocked or suspected as fraud.

The channel has declined the transaction due to suspicion of fraud, the shopper should be validated for authenticity and be referred to their issuer.

IssuerAuthorizationCode

  • 34

  • 59

  • 83

-

-

TBD

INSUFFICIENT_FUND

{{paymentSession.paymentMethod.type}} payment failed.

[[ if CARD ]]

The transaction was declined by the issuer due to credit limit or balance is not sufficient.

[[ OTHER ]]

The transaction was declined due to the balance not sufficient or transaction limit exceeded.

[[ if CARD ]]

Insufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method.

[[ OTHER ]]

Insufficient funds in the user’s account. The shopper can try again after adding funds to their account, or use another payment method.

IssuerAuthorizationCode

  • 51

  • 116

  • 121

-

-

TBD

CHANNEL_UNAVAILABLE

{{paymentSession.paymentMethod.type}} payment failed.

[[ if CARD ]]

The transaction failed due to the issuer being unavailable or having a system malfunction.

[[ OTHER ]]

The transaction failed due to the selected channel being unavailable or having a system malfunction.

[[ if CARD ]]

The issuing bank cannot be contacted. The shopper should try again or use another payment method.

[[ OTHER ]]

The channel cannot be contacted. The shopper should try again or use another payment method.

IssuerAuthorizationCode

  • 19

  • 80

  • 90

  • 91

  • 91

  • 96

  • 911

TBD

TBD

TBD

CANCELLED_BY_USER

{{paymentSession.paymentMethod.type}} payment failed.

[[ if CARD ]]

The 3DS attempt was cancelled by the cardholder.

[[ if EWALLET ]]

Payment cancelled by the user through the apps.

The shopper can try again or use another payment method

-

-

-

-

CHARGE_EXPIRED

{{paymentSession.paymentMethod.type}}

charge failed due to the transaction time has exceeded the channel expiration time.

The shopper can try again or use another payment method

3DS authentication expired

QR expired

VA number expired

TBD

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