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 | Blocked by a passenger name | Rejected by a passenger name |
| -2101 | Blocked by email | Rejected by email |
| -2030 | Declined by the client | Declined by the client |
| -2025 | Declined. RReq status is not Y | Declined. RReq (Results Request Message) received from ACS during Challenge-authentication is not "Y". Used for 3D-Secure (v.2) |
| -2024 | Declined. Frictionless 3D Secure (v.2) forbidden | Declined. Frictionless 3D-Secure (v.2) authentication is forbidden. Used for 3D-Secure (v.2) |
| -2023 | ARes status is "U" | ARes (Authentication Response Message) received from ACS during Frictionless-authentication is "U". Used for 3D-Secure (v.2) |
| -2020 | Invalid ECI received | Invalid 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 | Decline by iReq in PARes | Payment declined. PARes (Payer Authentication Response) from the issuing bank contains iReq element, which caused the payment rejection |
| -2018 | Declined. DS connection timeout | Payment declined. There is no access to Directory server Visa or MaterCard or a connection error occurred after card involvement request (VeReq). This is an error of interaction between payment gate and IPS servers due to technical problems on the side of IPS servers |
| -2017 | Declined. PARes status is not Y | Declined. 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 | No attempts left | All payment attempts were used |
| -2011 | PARes status is "U" | Issuing bank was not able to perform 3D-Secure card authorization |
| -2010 | TDS_XID_MISMATCH | 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 | Session time limit | 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 | TDS_AUTH_FAILED | Means that issuing bank rejected authentication (3DS authorization has not been performed) |
| -2005 | TDS_SIGNATURE_TEST_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 | Blocking 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 | No payment attempted yet | 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. Honor with id 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 | Network refused transaction | Refuse of network to process transaction |
| 15 | IPS did not find card issuer | IPS cannot identify the issuing bank |
| 25 | DECLINED_BY_RECNOTFOUND | Record (card) not found |
| 37 | Call Security | Call security |
| 53 | Transaction is not allowed by issuer | Transaction is not allowed by issuer |
| 58 | Invalid currency | Invalid currency |
| 62 | Restricted card | Restricted card |
| 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_PINPROC | Refusal to conduct a transaction by the issuing bank. |
| 82 | Invalid CVC | Invalid CVC |
| 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 | Card limits exceeded | Card limits (Issuing bank forbade internet transactions by the card) |
| 101 | Wrong expiry date | Wrong expiry date |
| 103 | Contact issuer | There is no connection with the Issuing bank. Sales outlet needs to contact Issuing bank |
| 104 | Card account limitation reached | This is an attempt to perform a transaction by an account that has restrictions for use |
| 106 | PIN attempts exceeded. Card is blocked | The maximum number of attempts to enter PIN is exceeded. It is possible that the card is blocked temporarily |
| 109 | Wrong merchant id/terminal id | Merchant/terminal identifier is incorrect or ACC is blocked on the processing level |
| 110 | Invalid amount | Transaction amount is incorrect |
| 111 | Decline. Wrong PAN | Card number is incorrect |
| 116 | Not enough money | Transaction amount exceeds the available balance of the selected account |
| 117 | Incorrect PIN | Incorrect PIN-code (not for Internet transactions) |
| 119 | Terminal limit | Terminal limit |
| 120 | Transaction was refused | 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 | Limit exceeded | This is an attempt to perform transaction of amount exceeding the day limit established by the issuing bank |
| 123 | Limit exceeded | 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 | Invalid card number | Card number is incorrect. This error may have several meanings: Attempt to perform a refund of amount exceeding the hold amount; Attempt to refund zero amount; for AmEx - expiry date is specified incorrectly |
| 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 | Declined by issuer fraud | Rejected by the fraud of the emitter |
| 158 | Transaction not allowed for merchant | Transaction not allowed for merchant |
| 181 | Service not enabled | Service not enabled |
| 203 | Denied, card locked hold / capture | Denied, card locked hold / capture |
| 208 | Card lost | Card is considered to be lost |
| 209 | Card limitations exceeded | Card limitations exceeded |
| 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 |
| 258 | 3ds only allowed for this card | 3ds only allowed for this card |
| 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 accepted | Reversal is proceeded |
| 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 | Card limitations exceeded | Card limitations (Cardholder tries to perform a transaction that is forbidden for them) |
| 903 | Limit exceeded | Attempt to perform a transaction of amount exceeding Issuing bank limit |
| 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 | Cannot contact 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 | Invalid 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 | Transaction refused by fraud | Transaction refused by fraud |
| 1001 | EMPTY | EMPTY |
| 1111 | Card retry exceeded | Card retry exceeded |
| 1434 | Additional customer authentication required | Additional customer authentication required |
| 1888 | Waiting for refund finishing | Waiting for refund finishing |
| 1899 | Waiting for reversal finishing | Waiting for reversal finishing |
| 2002 | Invalid operation | Invalid operation |
| 2003 | SSL_FORBIDDEN | SSL (not 3D-Secure/SecureCode) transactions are forbidden for the Merchant |
| 2004 | SSL without CVC is forbidden | Payment through SSL without CVC2 is forbidden |
| 2005 | 3DS rule failed | Payment does not meet terms of the rule of 3DS validation |
| 2006 | One-phase payments not allowed | One-phase payments not allowed |
| 2008 | Transaction not completed yet | The transaction has not been completed yet |
| 2009 | Refund more than deposited error | Refund amount exceeds the deposited amount |
| 2010 | Reversal is impossible for refunded transaction | Reversal is impossible for refunded transaction |
| 2011 | Transaction not pre-authorized | Transaction not pre-authorized |
| 2012 | Transaction already reversed | Transaction already reversed |
| 2013 | Transaction already completed | Transaction already completed |
| 2014 | 3DS rule error | Error of 3DS rule execution |
| 2015 | Terminal select rule error | Terminal selection rule error (the rule is incorrect) |
| 2016 | 3DS 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 | Rejected | Rejected |
| 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 | Refund partially processed | Refund partially processed |
| 2031 | Error of processing with electronic certificate | Error of processing with electronic certificate |
| 2032 | Error of payment/refund with electronic certificate | Error of payment/refund with electronic certificate |
| 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 | Redirected to external payment system | Redirected 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 | Declined. Received A in ARes (3DS v2) | Rejected. Received 'A' in ARes (3DS v2) |
| 4033 | Balance exceeded | Balance exceeded |
| 8204 | DUPLICATE_ORDER | DUPLICATE_ORDER |
| 71015 | DATA_INPUT_ERROR | Entered card details are incorrect |
| 151018 | Decline. Processing timeout | Processing timeout. Sending failed |
| 151019 | CANNOT_SEND_REQUEST | CANNOT_SEND_REQUEST |
| 341014 | GENERAL_ERROR | Payment Gateway general error |
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