Failure Code & Message
Generic API Error
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
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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