Decline code description

This section outlines error codes specifically related to card transactions. These errors may occur during payment processing and reflect issues that can arise from card status, transaction limits, or other factors specific to financial operations. Understanding these error codes is crucial for effectively managing transaction failures and addressing any underlying issues that may prevent successful payment processing. The table provided below lists these transaction-related errors along with detailed descriptions to aid in troubleshooting and resolution.

Error Code	Description of Error
INACTIVE_CARD_ACCOUNT	Your card or account is currently inactive.
ACCOUNT_NOT_FOUND	This transaction has been declined because the account associated with the payment method cannot be found or does not exist.
CARD_CLOSED_BLOCKED	This transaction has been declined because the card used is either blocked or closed.
COUNTRY_RESTRICTION	This transaction has been declined due to country-based restrictions.
CARD_DETAILS_INVALID	This transaction has been declined due to invalid card details. The card number, expiration date, billing address, or CVC code entered may be incorrect or the card may be expired. Please verify all card details to ensure they are accurate.
TRANSACTION_LIMIT_EXCEEDED	This transaction has been declined as it exceeds the set limits for your account or card. These limits pertain to the individual transaction amount, total value of transactions within a certain period, number of transactions allowed, or restrictions related to the type of merchant (MCC).
SUSPECTED_FRAUDULENT_ACTIVITY	This transaction has been flagged for suspected fraudulent activity.
MCC_RESTRICTED	This transaction has been declined due to restrictions associated with the Merchant Category Code (MCC).
CURRENCY_NOT_ALLOWED	This transaction has been declined because the currency used is not supported or allowed.
INSUFFICIENT_FUNDS	This transaction has been declined due to insufficient funds in the account/card. There are not enough available funds or credit to complete this transaction.
TIMEOUT_ERROR	This transaction has been declined due to an internal error and a processing timeout. An issue occurred internally while processing your request, which could be related to system malfunctions, data handling errors, or other technical difficulties. Additionally, the transaction could not be completed within the allotted time frame, likely due to network delays.
MISC_ERRORS	This transaction has been declined due to miscellaneous errors. This code represents a range of possible issues that do not fall under specific decline reasons.
CLIENT_FAULT_ERRORS	This error code indicates that the transaction was declined due to actions taken by the cardholder. It covers errors such as incorrect card details entered, insufficient funds, exceeding the credit limit, or any other non-compliance related to the cardholder’s account management.
UNKNOWN_ERROR	This transaction has been declined due to an unknown error. The specific cause of the decline is not identifiable at this time.

API Error Troubleshooting Guide

This guide provides detailed steps to resolve common error codes encountered during API operations. Use this guide to understand the cause of an error and take appropriate actions to resolve it.

INACTIVE_CARD_ACCOUNT

Error Description: Your card or account is currently inactive.

Solution:

1. Verify the status of your card using the endpoint:
   • Endpoint: GET /api/v1/cards/card/details
   • Description: Retrieves detailed information about a card.
2. If the status parameter in the response is INACTIVE, you need to activate the card:
   • Endpoint: POST /api/v1/cards/card/activate
   • Description: Activates an 'INACTIVE' card.

ACCOUNT_NOT_FOUND

Error Description: The account associated with the payment method cannot be found or does not exist.

Solution:

• Contact our technical support for further assistance.

CARD_CLOSED_BLOCKED

Error Description: The card used is either blocked or closed.

Solution:

1. Check the status of your card using the endpoint:
   • Endpoint: GET /api/v1/cards/card/details
   • Description: Retrieves detailed information about a card.
2. If the status parameter in the response is CLOSED, the card is permanently closed and cannot be used anymore.
3. If the status parameter shows ACTIVE or INACTIVE, contact technical support for further assistance.

CARD_DETAILS_INVALID

Error Description: This error can occur for various reasons such as incorrect card information entered (PAN, CVV/CVC, cardholder name, billing address), the card's expiration date has passed, or an incorrect 3DS code was entered.

Solution:

1. Verify the correctness of all entered card details including:
   • PAN (Primary Account Number)
   • CVV/CVC (Card Verification Value/Code)
   • Cardholder's name
   • Billing address
   • Expiry date
   • 3DS security code
2. Ensure that the card has not expired.
3. For detailed and sensitive card information, use the endpoint:
   • Endpoint: GET /api/v1/cards/card/detail/sensitive
   • Description: Retrieves sensitive details of a card to confirm correct input data.

INSUFFICIENT_FUNDS

Error Description: There are not enough funds available on your card to complete the transaction.

Solution:

1. Check the available balance on your card using the endpoint:
   • Endpoint: GET /api/v1/cards/card/balance
   • Description: Retrieves the balance details of a card. The available parameter will reflect the available balance for expenditures.
2. If additional funds are needed, you can top up your card using the following endpoint:
   • Endpoint: POST /api/v1/cards/topup
   • Description: Adds funds to the card balance.

COUNTRY_RESTRICTION

Error Description: Payments in this country are prohibited by our system.

Solution:

• For a list of countries where payments are restricted, please contact our technical support.

TRANSACTION_LIMIT_EXCEEDED

Error Description: You have exceeded the payment limits.

Solution:

• To review the limits applicable to your card, please contact our technical support for detailed information.

SUSPECTED_FRAUDULENT_ACTIVITY

Error Description: The system has detected signs of potential fraud in the transaction.

Solution:

1. Review your recent transaction history for any unauthorized or suspicious activities. Report any discrepancies immediately.
2. Ensure all transactions are conducted in a secure manner and avoid sharing your card details openly.
3. For further investigation please contact our technical support for detailed information.

MCC_RESTRICTED

Error Description: Payments with this Merchant Category Code (MCC) are prohibited in our system.

Solution:

• For a list of prohibited MCCs for payments, please contact our technical support.

CURRENCY_NOT_ALLOWED

Error Description: Payments in this currency are prohibited by our system.

Solution:

• For a list of prohibited currencies for payments, please contact our technical support.

TIMEOUT_ERROR

Error Description: A technical error occurred, indicating that the payment could not be processed due to timeouts.

Solution:

1. Attempt to make the payment again or try again after some time.
2. If the error persists, please contact our technical support for further assistance.

MISC_ERRORS

Error Description: Miscellaneous errors on our side.

Solution:

1. Try making the payment again or wait some time before retrying.
2. If the error recurs, please contact our technical support for assistance.

UNKNOWN_ERROR

Error Description: Various unidentifiable errors on our side.

Solution:

1. Attempt to make the payment again or wait before retrying.
2. If the error continues to occur, please contact our technical support for assistance.