Decline reasons

Payment authentication or authorization requests may be declined by service providers.
In this case, our API will return a 200 OK response containing a decline_details object within either the authorization or authentication block, depending on the stage at which the decline occurred.
The status code of 200 refers to the fact that the request was submitted and processed correctly, meaning there were no errors with the request itself.

Example declined response

{
  "decline_details": {
    "code": "not_enough_balance",
    "provider_response_code": "visa_51",
    "provider_response_message": "Insufficient funds."
  }
}

code: a general category for the decline reason
provider_response_code: the original numeric code used by the service provider for this decline reason
provider_response_message: the original explanation for the decline provided by the service provider

Decline Codes

These are the possible decline codes that may be returned by the API:

Code	Description
refused	Transaction was refused.
error	An error occurred. A generic catch-all for miscellaneous decline reasons.
acquirer_error	An error occurred on the acquirer's side.
blocked_card	The card is blocked.
expired_card	The card has expired.
invalid_amount	The transaction amount is invalid.
invalid_card_number	The card number is either invalid or non-existant.
issuer_unavailable	The customer's bank is not reachable.
not_enough_balance	The customer does not have sufficient money to cover the transaction.
canceled	Transaction was canceled.
customer_canceled	The customer canceled the transaction before completing payment.
invalid_pin	The PIN is incorrect or invalid.
pin_tries_exceeded	Allowable number of PIN-entry tries has been exceeded.
cvc_declined	The card security code is invalid.
restricted_card	The card is restricted.
invalid_card_in_this_country	The card cannot be used in this country.
revocation_of_auth	Authorization for the card has been revoked.
withdrawal_amount_exceeded	The withdrawal amount has exceeded the card limit.
withdrawal_count_exceeded	The number of withdrawals has exceeded the card limit.
issuer_suspected_fraud	The customer's bank reported suspected fraud.
avs_declined	The address data provided by the customer is invalid.
card_requires_online_pin	The customer must enter their PIN.
no_checking_account_available_on_card	The customer must have a checking account for the transaction.
no_savings_account_available_on_card	The customer must have a savings account for the transaction.
mobile_pin_required	The customer must enter a mobile PIN.
authentication_required	Additional customer authentication is required.
timeout	There was a timeout while waiting for the transaction result.

Decline Codes​

Decline Codes