For any question, we are one click away

Contact us

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
2556 VirtualPay account generation failed VirtualPay account generation failed
2557 VirtualPay order status cannot be determined VirtualPay order status cannot be determined
2558 VirtualPay order expired VirtualPay order expired
2559 VirtualPay order not paid VirtualPay order not paid
2600 VirtualPay payment failed VirtualPay payment failed
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

The action codes 1 - 998 are related to the errors specific for processing center of the bank. For details, please contact the support team of the bank.

Categories:
eCommerce API V1
Categories
Search results