Refusal reasons
There may be different reasons for the rejection. You need to check the action code that comes in the response. Action code is a numeric code of a result received from a processing bank. In addition to order status, action code helps to understand the details of a transaction processing.
Online payment errors
The below table describes action codes existing in the Payment Gateway.
| Action code | API message | Description |
|---|---|---|
| 0 | Request is processed successfully | Payment has been performed successfully |
| -30002 | Final state was not received | Final state was not received |
| -30001 | Operation is pending | Operation is pending |
| -30000 | Payment is pending | Payment is pending |
| -20010 | Blocked by the limit | Transaction is rejected since the amount exceeds limits specified by the Issuing bank |
| -9000 | Started | State of transaction start |
| -3101 | Binding was disabled | Binding was disabled |
| -2201 | Forced termination, no response PSE | Forced termination, no response PSE |
| -2103 | Efecty payment reference has expired | Efecty payment reference has expired |
| -2102 | Reject by a passenger name | Reject by a passenger name |
| -2101 | Reject by email | Reject by email |
| -2030 | Declined by the client | Declined by the client |
| -2025 | Card issuer declined payment with RReq | Declined. RReq (Results Request Message) received from ACS during Challenge-authentication is not "Y". Used for 3D-Secure (v.2) |
| -2024 | Card issuer wants frictionless 3D Secure, but acquirer restricts it | Declined. Frictionless 3D-Secure (v.2) authentication is forbidden. Used for 3D-Secure (v.2) |
| -2023 | 3DS Authentication could not be performed by card issuer | ARes (Authentication Response Message) received from ACS during Frictionless-authentication is "U". Used for 3D-Secure (v.2) |
| -2020 | Incorrect ECI received | Incorrect ECI (electronic commerce indicator). This code means that ECI received in PaRes (Payer Authentication Response) is not valid for the IPS (International Payment System). The rule applies only to MasterCard (available values - 01,02) and Visa (available values - 05,06) |
| -2019 | 3DS Authentication could not be performed by card issuer | Payment declined. PARes (Payer Authentication Response) from the issuing bank contains iReq element, which caused the payment rejection |
| -2018 | 3DS Authentication could not be performed by card acquirer | 3DS Authentication could not be performed by card acquirer |
| -2017 | Rejected. PARes status is not Y | Rejected. PARes (Payer Authentication Response) received from ACS is not "Y". Used for 3D-Secure (v.2) |
| -2016 | VERes status is "U" | Payment declined. Issuing bank could not determine if the card is 3D-Secure |
| -2015 | Declined by iReq in VERes | Payment declined. VERes from DS contains iReq element, which caused the payment rejection |
| -2014 | Client did not return from the Payment page | Client did not return from the Payment page |
| -2013 | You have exceeded the number of allowed payment attempts | You have exceeded the number of allowed payment attempts |
| -2011 | PARes status is "U" | Issuing bank was not able to perform 3D-Secure card authorization |
| -2010 | Mismatching of XID | Mismatching of XID (electronic commerce indicator of the transaction) |
| -2009 | Client did not return from the ACS server | Client did not return from the ACS server |
| -2007 | The payment has expired | Payment declined. The period allotted for card details entering has expired (by default, the timeout is 20 minutes; session duration may be specified while order registering; if the Merchant has "Alternative session timeout" permission, then timeout duration is specified in Merchant settings) |
| -2006 | Card issuer declined the payment due to an unsuccessful 3DSecure verification | Means that issuing bank rejected authentication (3DS authorization has not been performed) |
| -2005 | 3D-Secure signature check failed | Means that Payment Gateway could not check issuing bank sign, i.e. PARes (Payer Authentication Response) was readable, but the sign was wrong |
| -2003 | Blocked by port | Blocked by port |
| -2002 | Blocked by amount | Transaction was rejected because payment amount exceeded established limits. Note: it could be a limit of day withdrawal established by the Bank-acquirer, or a limit of transactions by one card established by the Merchant, or a limit for one transaction established by the Merchant |
| -2001 | Blocked by IP | Transaction is rejected since the Cient's IP-address is in the black list |
| -2000 | Blocked by PAN | Transaction is rejected since the card number is in the black list |
| -1343 | Pending / Declined by PSE | Pending / Declined by PSE |
| -1342 | Forced termination, no response PSE | Forced termination, no response PSE |
| -1341 | Unsuccessful transaction | Unsuccessful transaction |
| -1340 | The bank didn't authorize the transaction. | The bank didn't authorize the transaction |
| -1337 | QR payment declined | QR payment declined |
| -303 | Unsuccessful transaction | Unsuccessful transaction |
| -302 | The bank didn't authorize the transaction | The bank didn't authorize the transaction |
| -301 | Incorrect payment token | Incorrect payment token |
| -100 | Waiting for payment attempt | There were no payment attempts |
| -90 | Error validating the product name (see the section of the manual "attributes of the items element", the name attribute)" | Error validating the product name (see the section of the manual "attributes of the items element", the name attribute)" |
| -1 | The processing system is unavailable | The processing system is unavailable |
| 1 | Declined. The identity check is required | Proof of identity is necessary for successful completion of the transaction. In case of internet transaction (our case) it is impossible, so transaction is considered as declined |
| 4 | Card blocked for an undisclosed reason | Card blocked for an undisclosed reason |
| 5 | The card was declined for an unknown reason | The card was declined for an unknown reason |
| 15 | Internal institution configuration is incorrect | Internal institution configuration is incorrect |
| 25 | Record (card) not found | Record (card) not found |
| 37 | Call Security | Call security |
| 53 | Invalid account | Invalid account |
| 58 | The card does not support the specified currency | The card does not support the specified currency |
| 62 | The customer can't use this card to make this payment (it's possible it was reported lost or stolen) | The customer can't use this card to make this payment (it's possible it was reported lost or stolen) |
| 63 | Security violation | Security violation |
| 72 | Sender card is not allowed for this transaction type | Sender card is not allowed for this transaction type |
| 73 | Denied, invalid expiry | Denied, invalid expiry |
| 76 | Original transaction not found | Original transaction not found |
| 78 | Invalid/nonexistent account specified | Invalid/nonexistent account specified |
| 81 | Declined by the issuing bank | Refusal to conduct a transaction by the issuing bank |
| 82 | The CVC number is incorrect | The CVC number is incorrect |
| 87 | Pre-authorization time too great | Pre-authorization time too great |
| 90 | Response status unknown | Response status unknown |
| 94 | Duplicate transmission | Duplicate transmission |
| 98 | DECLINED_BY_MASSPAY_ERROR | Masspay declined by an error |
| 100 | The customer has exceeded the balance, credit limit, or transaction amount limit available on their card | The customer has exceeded the balance, credit limit, or transaction amount limit available on their card |
| 101 | Card expired | Card expired |
| 103 | Card issuer rejected the payment | There is no connection with the Issuing bank. Sales outlet needs to contact Issuing bank |
| 104 | Card account limits reached | This is an attempt to perform a transaction by an account that has restrictions for use |
| 106 | Card is blocked | The maximum number of attempts to enter PIN is exceeded. It is possible that the card is blocked temporarily |
| 109 | Internal merchant terminal configuration is incorrect | Merchant/terminal identifier is incorrect or ACC is blocked on the processing level |
| 110 | The payment amount is invalid or exceeds the allowed amount | The payment amount is invalid or exceeds the allowed amount |
| 111 | The card number is incorrect | The card number is incorrect |
| 116 | The card has insufficient funds to complete the purchase | Transaction amount exceeds the available balance of the selected account |
| 117 | Incorrect PIN | Incorrect PIN-code (not for Internet transactions) |
| 119 | Security violation | Security violation |
| 120 | Card issuer rejected the payment | Refusal to perform the operation - the transaction is not allowed by the Issuing bank. Response code of the IPS - 57. Reasons for rejection should be specified at the Issuing bank |
| 121 | The customer has exceeded the transaction amount limit available on their card | The customer has exceeded the transaction amount limit available on their card |
| 123 | The customer has exceeded the transaction amount limit available on their card | The client has performed the maximum number of transactions during the limit cycle and tries to perform another one |
| 124 | Technical error | Technical error |
| 125 | The card number is incorrect | The card number is incorrect |
| 126 | The number of requests exceeded the maximum number per hour | The number of requests exceeded the maximum number per hour |
| 127 | Confirmation via OTP is required | Confirmation via OTP is required |
| 151 | Transaction failed. Declined by issuer fraud | Transaction failed. Declined by issuer fraud |
| 158 | Transaction not allowed for merchant | Transaction not allowed for merchant |
| 181 | Service forbidden | Service forbidden |
| 203 | Card is lost | Card is lost |
| 208 | Card issuer considers it lost | Card issuer considers it lost |
| 209 | The customer has exceeded the balance, credit limit, or transaction amount limit available on their card | The customer has exceeded the balance, credit limit, or transaction amount limit available on their card |
| 226 | Card retry exceeded | Card retry exceeded |
| 239 | Terminate subscription | Terminate subscription |
| 240 | Recurring transaction was declined because the cardholder stopped that recurring payment transaction | Recurring transaction was declined because the cardholder stopped that recurring payment transaction |
| 287 | Invalid payment parameters | Invalid payment parameters |
| 396 | The loan amount is out of the acceptable range | The loan amount is out of the acceptable range |
| 397 | Technical error | Technical error |
| 398 | The specified type of loan is not available in commercial terms | The specified type of loan is not available in commercial terms |
| 399 | The desired time periods specified in the request do not match those previously enabled | The desired time periods specified in the request do not match those previously enabled |
| 400 | Reversal is processed | Reversal is processed |
| 401 | Technical error | Technical error |
| 402 | The request has timed-out | The request has timed-out |
| 403 | Declined | Declined |
| 404 | Error in the reauthorization process | Error in the reauthorization process |
| 433 | Response after reversal | Response received after the reversal |
| 434 | Suspect reversal | Suspicious reversal |
| 435 | No such response code from network | There is no such response code from the network |
| 555 | Restriction on the card (the issuing bank has prohibited online transactions on the card) | Restriction on the card (the issuing bank has prohibited online transactions on the card) |
| 801 | Couldn't find original transaction when processing a reversal | Couldn't find original transaction when processing a reversal |
| 802 | Issuer inoperative | Issuer inoperative |
| 803 | Call issuer | Call issuer |
| 805 | Error | Error |
| 814 | Limit reached for total number of txns in cycle, independent of transaction category. (Activity count limit exceeded) | Limit reached for total number of txns in cycle, independent of transaction category. (Activity count limit exceeded) |
| 823 | Card is reported stolen | Card is reported stolen |
| 827 | Do not honor transaction | Do not honor transaction |
| 860 | Card's aggregate limit exceeded | Card's aggregate limit exceeded |
| 876 | Can not proc Institute amount | Can not proc Institute amount |
| 881 | Card is not personificated | Card is not personificated |
| 887 | Stand-In. Exceeded Max amount for transaction | Stand-In. Exceeded Max amount for transaction |
| 902 | The customer has exceeded the balance, credit limit, or transaction amount limit available on their card | The customer has exceeded the balance, credit limit, or transaction amount limit available on their card |
| 903 | The customer has exceeded the balance, credit limit, or transaction amount limit available on their card | The customer has exceeded the balance, credit limit, or transaction amount limit available on their card |
| 904 | Invalid message format | The message format is incorrect in terms of the issuing bank |
| 905 | Bad card (-on_us) | Bad card (-on_us) |
| 906 | Expired card | Expired card |
| 907 | Cannot contact issuer | There is no connection with the Issuing bank. Authorization in stand-in mode is not allowed for this card number (this mode means that the Issuing bank is unable to connect to the IPS, and therefore the transaction can be either offline with further unloading to back office, or it can be declined) |
| 909 | The card was declined for an unknown reason | The card was declined for an unknown reason |
| 910 | No connection with bank | Issuing bank is not available |
| 911 | Payment declined. Please, contact with merchant | Payment declined. Please, contact with merchant |
| 912 | Issuing bank unavailable | Issuing bank unavailable |
| 913 | Wrong message format | The message format is incorrect in terms of IPS |
| 914 | Original transaction not found | Transaction is not found (when sending a completion, reversal or refund request) |
| 916 | Unable to process | Unable to process |
| 920 | Card restrictions | Card restrictions |
| 941 | Invalid Merchant ID | Invalid Merchant ID |
| 943 | Invalid Terminal Number | Invalid Terminal Number |
| 950 | Reconcile error | Reconcile error |
| 953 | Card is restricted | Card is restricted |
| 959 | System Malfunction | System Malfunction |
| 963 | Reversal - timeout expired | Reversal - timeout expired |
| 968 | Original amount incorrect | Original amount incorrect |
| 983 | Pre-Authorization transaction already has transaction of completion | Pre-Authorization transaction already has transaction of completion |
| 988 | Service not available at that time (communication or another problems) | Service not available at that time (communication or another problems) |
| 991 | Original transaction of Pre-Authorization has not been found for transaction of Completion | Original transaction of Pre-Authorization has not been found for transaction of Completion |
| 997 | Service not allowed for client | Service not allowed for client |
| 998 | The request has timed-out | The request has timed-out |
| 999 | The payment was declined due to suspected fraud | The payment was declined due to suspected fraud |
| 1001 | Card details entering timeout | Card details entering timeout |
| 1111 | Card retry exceeded | Card retry exceeded |
| 1434 | The card was declined by card issuer because the transaction requires 3D Secure authentication | The card was declined by card issuer because the transaction requires 3D Secure authentication |
| 1888 | Waiting for refund | Waiting for refund |
| 1899 | Waiting for reverse | Waiting for reverse |
| 2002 | Incorrect operation | Incorrect operation |
| 2003 | You can't make payments without 3D Secure | You can't make payments without 3D Secure |
| 2004 | SSL without CVC is forbidden | Payment through SSL without CVC2 is forbidden |
| 2005 | Order does not comply with the 3D-Secure rule | Payment does not meet terms of the rule of 3DS validation |
| 2006 | One-phase payments are forbidden | One-phase payments are forbidden |
| 2008 | Transaction has not been completed yet | The transaction has not been completed yet |
| 2009 | Refund amount exceeds the payment amount | Refund amount exceeds the payment amount |
| 2010 | Cannot cancel refund payments | Cannot cancel refund payments |
| 2011 | Transaction not preauthorized | Transaction not preauthorized |
| 2012 | The order has already been cancelled | The order has already been cancelled |
| 2013 | The order has already been deposited | The order has already been deposited |
| 2014 | Error of 3DS rule execution | Error of 3DS rule execution |
| 2015 | Error in executing the rule of terminal selection | Terminal selection rule error (the rule is incorrect) |
| 2016 | 3D-Secure is forbidden | 3D-Secure payment is necessary, but the Merchant does not have a permission for 3D-Secure payment |
| 2020 | Documents required | Documents required |
| 2021 | Customer refused | Customer refused |
| 2022 | IPOS rejected the payment | IPOS rejected the payment |
| 2023 | Thread limit is exceeded | The request queue for processing has exceeded the allowed limit |
| 2024 | Draft | Draft |
| 2025 | The client did not apply for a loan | The client did not apply for a loan |
| 2026 | No confirmation from the partner | No confirmation from the partner |
| 2027 | Blacklist | Blacklist |
| 2028 | The client refused from approved loan | The client refused from approved loan |
| 2030 | Card is blocked | Card is blocked |
| 2031 | Electronic certificate processing error | Electronic certificate processing error |
| 2032 | Electronic certificate purchase/refund error | Electronic certificate purchase/refund error |
| 2033 | Card purchase/refund error | Card purchase/refund error |
| 2601 | Transaction amount is beyond approved limit | Transaction amount is beyond approved limit |
| 2602 | Bank transfer general error | Bank transfer general error |
| 4004 | Redirecting to external payment system | Redirecting to external payment system |
| 4005 | Declined by merchant | Declined by the Merchant |
| 4010 | Multicard CUP sms sending not started | Multicard CUP sms sending not started |
| 4011 | Multicard CUP sms sending started | Multicard CUP sms sending started |
| 4012 | Multicard CUP sms sending finished | Multicard CUP sms sending finished |
| 4013 | Multicard CUP sms sending failed | Multicard CUP sms sending failed |
| 4014 | Multicard CUP sms verification not started | Multicard CUP sms verification not started |
| 4015 | Multicard CUP sms verification started | Multicard CUP sms verification started |
| 4016 | Multicard CUP sms verification finished | Multicard CUP sms verification finished |
| 4017 | Multicard CUP sms verification failed | Multicard CUP sms verification failed |
| 4018 | Multicard CUP create order failed | Multicard CUP create order failed |
| 4019 | Multicard CUP create order finished | Multicard CUP create order finished |
| 4032 | Card issuer declined payment with ARes = A | Card issuer declined payment with ARes = A |
| 4033 | Balance exceeded | Balance exceeded |
| 8204 | Duplicate order | Duplicate order |
| 71015 | Some payment data is invalid | Some payment data is invalid |
| 151018 | Decline. Processing timeout | Processing timeout. Sending failed |
| 151019 | The payment method failed due to a timeout | The payment method failed due to a timeout |
| 341014 | An uncategorised failure occurred during payment | An uncategorised failure occurred during payment |
Card payment errors
The below table describes action codes specific for processing center of the bank.
| Action code | Description |
|---|---|
| 0 | One of the following:
|
| 1 | HONR W/ID |
| 5 | One of the following:
|
| 82 | One of the following:
|
| 101 | EXPIRED CARD |
| 103 | One of the following:
|
| 106 | PIN-TRIES EXCEED |
| 109 | INVALID MERCHANT |
| 110 | INVALID AMOUNT |
| 111 | One of the following:
|
| 116 | INSUFFICIENT FUNDS |
| 117 | INCORRECT PIN |
| 119 | Service blocked |
| 120 | One of the following:
|
| 121 | One of the following:
|
| 123 | TX_FREQ_LIMIT |
| 125 | One of the following:
|
| 181 | One of the following:
|
| 203 | CALLSECURITY |
| 204 | CAPTURE CARD |
| 208 | One of the following:
|
| 209 | One of the following:
|
| 902 | One of the following:
|
| 903 | One of the following:
|
| 904 | One of the following:
|
| 907 | One of the following:
|
| 909 | One of the following:
|
| 913 | One of the following:
|
| 914 | One of the following:
|