Pay In unified response codes reference

Response codes help you understand transaction outcomes and take appropriate action. Payabli uses standardized codes across all Pay In transactions made with v2 of the API.

Response code categories

Payabli’s unified response codes are grouped into three main categories:

A codes (A0000-A0099): Approved transactions. These are returned with an HTTP 200/201 status.
D codes (D0100-D2999): Declined transactions. These are returned with an HTTP 402 status.
E codes (E3000-E9999): Error conditions. These are returned with an HTTP 400/500 status.

Approval codes (A0000-A0099)

These codes indicate successful transaction authorization.

Code	HTTP Status Code	Reason	Description	Resolution
A0000	201	Approved	Transaction approved	No action required
A0001	201	Initiated	Transaction initiated	No action required
A0002	201	Authorized	Transaction authorized	No action required
A0003	200	Canceled	Transaction canceled	No action required
A0004	201	Refunded	Transaction refunded	No action required
A0010	201	Partial amount approved	Card issuer approved an amount less than what was requested	Use a different card or payment method for the remaining amount
A0020	201	Approved by the card network	Approved by card network	No action required
A0030	201	No valid reason to decline	Zero dollar account verification transaction is approved	No action required
A0040	201	Some records processed successfully	The request partially processed with few records	No action required
A0050	201	Pending approval	Transaction approval is pending at the transaction processor	No action required
A0060	201	Authorization approved through the Visa VIP system	Transaction was approved through the Visa VIP system	Special handling or higher-level authorization may be required by merchant
A0070	201	Authorization approved; merchant must verify the cardholder’s identity	Transaction approved; merchant must verify cardholder’s identity before completing the sale or providing service	Merchant must verify cardholder’s identity before completing the sale or providing service
A9999	201	Approved. Transaction or action is successful, but with unexpected response	The transaction or action is successful but encountered an unexpected response from backend processor or other services	No action required. The transaction or action was successful

Decline codes (D0100-D2999)

These codes indicate the transaction was declined by the card network, issuer, or processor.

D0100-D0199

These codes cover common decline reasons from card issuers and networks, including verification failures and general Do Not Honor responses.

Code	HTTP Status Code	Reason	Description	Resolution
D0100	402	Do not honor	Generic decline from card network or card issuer	Use a different card or payment method
D0101	402	Generic decline	Generic decline due to an error with card network or card issuer	Use a different card or payment method
D0110	402	Card or cardholder verification failed	Validation of card verification value or cardholder verification method failed. Transaction declined.	Cardholder can retry with correct card verification value, or use a different card or payment method
D0120	402	Declined due to policy restrictions	Transaction was declined due to a policy restriction applied by card network	Use a different card or payment method
D0121	402	Declined due to violation of applicable law	Card issuer detected transaction would violate local, country or regional laws. Transaction declined.	Use a different card or payment method
D0122	402	Domestic debit transactions are not allowed	Debit transaction within the country is not allowed on the card. Transaction declined.	Use a different card or payment method
D0123	402	Purchase not permitted by the credit card network	The credit card brand does not allow this kind of purchase (based on the type of terminal or merchant used)	Use a different card or payment method
D0140	402	Invalid transaction	Card network or card issuer detected incoherent data in transaction that violates business logic	Verify the transaction data and retry. Contact support if the transaction continues to fail.
D0145	402	Partial authorization is not supported by the system	The card has insufficient balance and the card issuer or the network does not allow approving a lesser amount. The transaction is declined instead of allowing partial payments	Use a different card or payment method
D0150	402	Partial reversal is not supported	The card issuer or the card network does not support a partial reversal for this type of transaction	Reverse the exact transaction amount
D0160	402	Transaction could not be routed	Card issuer destination for the transaction could not be found. Sometimes this is related to a test card.	Use a different card or payment method
D0170	402	Card verification failed	Occurs when the payment gateway is unable to validate the customer’s card details, such as incorrect CVV, expired card, or mismatch in address verification	Retry the transaction with correct information or use a different card or payment method
D0175	402	Address and CVV2 verification failed	The address verification and CVV code verification failed and the merchant is set up for auto decline on AVS and CVV2 failure	Retry the transaction with correct information or use a different card or payment method
D0176	402	Address verification requires manual review	Address mismatch during payment; transaction held for review	Verify and update card’s address information and retry the transaction or use a different card or payment method
D0177	402	Address verification failed	Address mismatch during payment; transaction declined	Verify and update card’s address information and retry the transaction or use a different card or payment method
D0178	402	Invalid ZIP code caused address verification failure	ZIP code mismatch during payment; transaction declined	Verify the ZIP code and retry the transaction or use a different card or payment method
D0179	402	CVV2 verification failed	CVV code verification failed and the merchant is set up for auto decline on AVS and CVV2 failure	Verify the CVV code and retry the transaction or use a different card or payment method
D0180	402	Invalid card security code	CVV code verification failed and the merchant is set up for auto decline on AVS and CVV2 failure	Verify the CVV code and retry the transaction or use a different card or payment method
D0190	402	Please re-enter the transaction	The transaction couldn’t be processed temporarily	Use a different card or payment method
D0199	402	Transaction failed due to system malfunction	Card network or card issuer has some malfunction, and could not be reached to authorize the transaction. Transaction was declined.	Retry the transaction later, or use a different card or payment method
D0198	402	Server error	The transaction failed due to an unexpected internal error on the payment server or gateway	Retry the transaction later. Contact support with transaction details if the issue persists.

D0200-D0299

These codes provide additional decline reasons including issuer-specific responses, card restrictions, and account-related issues.

Code	HTTP Status Code	Reason	Description	Resolution
D0204	402	No such issuer	Valid card range not found, card issuer not found	Use a different card or payment method
D0205	402	Refer to card issuer	Card issuer wants to be contacted about the transaction. Transaction was declined.	Cardholder should call the card issuer to resolve. Retry payment if the card issuer gives the go ahead, or use a different card or payment method
D0206	402	Contact Card Issuer	Card issuer requests the cardholder to contact them. Transaction was declined.	Contact the card issuer and retry payment, or use a different card or payment method
D0210	402	Card issuer not available	Card issuer could not be reached about the transaction. Transaction was declined.	Retry the transaction later, or use a different card or payment method
D0212	402	Issuer unavailable or switch inoperative	Card issuer or card network not able to authorize, possible due to downtime. Transaction was declined.	Retry the transaction later, or use a different card or payment method
D0215	402	Life cycle check	Card network or card issuer detected incorrect transaction life cycle. Transaction was declined.	Contact the card issuer and retry payment, or use a different card or payment method
D0220	402	Exceeded daily credit limits or number of uses	The card issuer declined the transaction due to exceeding the daily credit limit or the permitted number of daily transactions	Use a different card or payment method
D0222	402	Call Issuer - Exceeded daily credit limits or number of uses	The card issuer declined the transaction due to exceeding the daily credit limit or the permitted number of daily transactions	Call the issuer or use a different card or payment method
D0225	402	Insufficient funds/over credit limit	Insufficient funds in cardholder’s account, or transaction amount exceeds available credit	Use a different card or payment method
D0228	402	Exceeds withdrawal amount limit	Card issuer detected the amount exceeds the allowed limit on the card and declined the transaction	Use a different card or payment method
D0229	402	Exceeds withdrawal count limit	Card issuer detected the frequency of card usage exceeds allowed limit and declined the transaction	Use a different card or payment method
D0230	402	Cash request exceeds issuer or approved limit	Card issuer detected the amount exceeds the allowed limit on the card and declined the transaction	Use a different card or payment method
D0235	402	Invalid amount	Declined by card issuer due to an invalid format or field. This is often seen with cards that are not allowed to make certain purchases	Use a different card or payment method
D0240	402	Do not retry	Do not attempt to submit this transaction again. The issuer will not approve the transaction	Use a different card or payment method
D0242	402	Retry later	The transaction cannot be completed at this time	Retry the transaction later, or use a different card or payment method
D0246	402	Issuer does not allow this card to be charged	The card cannot be used to purchase from your business	Use a different card or payment method
D0248	402	Transaction not permitted to issuer/cardholder	Card issuer does not permit the transaction on this card/account	Use a different card or payment method
D0250	402	Bank does not allow this type of purchase	The card’s issuing bank does not allow this type of purchase on the card	Use a different card or payment method
D0252	402	Purchase Amount Only, No Cash Back Allowed	Card issuer is not accepting cash back request. Transaction was declined.	Retry with no cash back, or use a different card or payment method
D0254	402	Incorrect or missing payment information	Card issuer could not identify payment information	Use a different card or payment method
D0260	402	Transaction not permitted to issuer/cardholder	Card issuer does not permit the transaction on this card/account	Use a different card or payment method
D0261	402	Transaction not permitted to acquirer/terminal	Card issuer does not permit the transaction for this merchant or acquirer	Use a different card or payment method
D0270	402	Suspected fraud	Card issuer suspects the payment to be fraudulent and declined the transaction	Use a different card or payment method
D0272	402	Restricted card	Card issuer has restricted the use of the card, usually based on country or region embargoes	Use a different card or payment method
D0274	402	Pickup card	Card issuer requests to withhold the card due to suspected fraud or when the card was reported as lost or stolen	Use a different card or payment method
D0276	402	Pickup card, fraud account	Card issuer requests to withhold the card due to account suspected to have fraud	Use a different card or payment method
D0278	402	Pickup card, lost card	Card issuer requests to withhold the card Cardholder reported the card as lost	Verify payors authenticity if possible Use a different card or payment method
D0280	402	Pickup card, stolen card	Card issuer requests to withhold the card Cardholder reported the card as stolen	Verify payors authenticity if possible Use a different card or payment method
D0282	402	First use, Invalid/nonexistent account specified	Card issuer detected the transaction is for a new cardholder and the account or card is not properly unblocked. Transaction was declined.	Contact the card issuer and retry payment, or use a different card or payment method
D0284	402	Closed, suspended, cancelled, or inactive account	Card issuer found the account closed and declined transaction	Use a different card or payment method
D0286	402	Security violation	Card issuer identified a security issue and declined the transaction	Use a different card or payment method
D0295	402	No checking account	Card issuer did not find a checking account for the card used and declined transaction	Use a different card or payment method
D0296	402	No savings account	Card issuer did not find a savings account for the card used and declined transaction	Use a different card or payment method
D0207	402	Referral: Call For Voice Auth	Card issuer requires voice authorization for this transaction	Merchant must call the issuer to verify and complete the payment manually
D0208	402	Referral: Call Acquirer	Payment acquirer flagged the transaction for additional verification	Merchant must contact the acquirer to authorize or resolve the issue before proceeding further

D0300-D0499

Processor and system-level declines including service unavailability, configuration issues, and backend errors.

Code	HTTP Status Code	Reason	Description	Resolution
D0300	402	Processor service unavailable	The transaction was declined as the processor service is currently unavailable	Try again later or contact support for assistance
D0302	402	Processor configuration missing	The transaction was declined as the processor configuration is missing for the merchant	Try again later or contact support for assistance
D0305	402	Service not allowed	Service not allowed Can be an incorrect MID or terminal number, or attempt to process an unsupported card or transaction type	Try again later or contact support for assistance
D0306	402	This Host has been inactivated	A Host has been deactivated on a downstream platform	Try again later or contact support for assistance
D0308	402	Generic transaction error at the processor, please retry later	The transaction was declined as the processor service is currently unavailable	Try again later or contact support for assistance
D0310	402	Generic system error	One or more error with backend processor	Contact support for more details
D0315	402	Insufficient privilege to run the transaction	The transaction was declined as the merchant is not configured for this transaction	Contact support for assistance
D0320	402	Invalid card type or card brand not supported	The transaction was declined as the merchant or the transaction processor is not configured for this card type	Use a different card or payment method or contact support for assistance
D0322	402	Invalid transaction type or transaction not supported	The transaction was declined as the merchant or the transaction processor is not configured for this type of transaction	Contact support for assistance
D0324	402	Invalid transaction currency or unsupported currency	The transaction was declined as the merchant or the transaction processor is not configured for this currency	Contact support for assistance
D0326	402	Surcharge amount not supported	The transaction was declined as the merchant or the transaction processor does not support surcharge amount	Contact support for assistance
D0330	402	Capture not allowed	The transaction is not authorized for capture. This error may occur because the transaction was captured, declined, or already reversed	Contact support for assistance
D0332	402	Modify transaction not allowed	The transaction is not authorized for modification. This error may occur because the transaction was already captured, settled, or was declined	Contact support for assistance
D0334	402	Refund or reversal not allowed	The transaction is not authorized for reversal. This error may occur because the transaction was settled, declined, or already reversed	Contact support for assistance
D0340	402	Duplicate transaction request	Transaction with same transaction id already exists with the transaction processor	Contact support for assistance
D0342	402	Original transaction not found by the processor	Transaction Processor could not locate the original transaction details	Verify or re-initiate the transaction or contact support for assistance
D0345	402	Transaction declined due to amount not falling within the authorized floor or ceiling limits	The card issuer declined the transaction because the amount is outside the allowed minimum (floor) or maximum (ceiling) limits	Verify the transaction amount and retry or contact support for assistance
D0350	402	Transaction could not process due to incorrect format	Transaction processor declined the transaction due to incorrect data format; verify request structure and required fields before retrying	Contact support for assistance
D0352	402	Invalid transaction information	Transaction processor declined the transaction due to invalid or incomplete information; please verify all entered details and try again	Contact support for assistance
D0355	402	Batch close or settlement process in progress	Transaction processor declined the transaction due to batch close or settlement is in progress; please wait and try again later	Retry after some time or contact support for assistance
D0360	402	Currency code mismatch with original transaction	Currency provided in the transaction does not match with the original transaction currency	Verify the transaction details and retry, or contact support for assistance
D0362	402	Refund not allowed. The card number requested does not match with original transaction card number	The transaction processor declined the refund because the provided card number does not match the original transaction’s card number	Verify the transaction details and retry, or contact support for assistance
D0364	402	Invalid refund or reversal amount	Transaction processor declined the refund, credit amount exceeds original transaction or is zero	Verify the transaction details and retry, or contact support for assistance
D0366	402	Refund error	Refund failed due to invalid details, amount mismatch, or transaction processing error	Verify the transaction details and retry, or contact support for assistance
D0370	402	Customer information missing	Transaction processor declined the transaction due to missing or incomplete customer information required for processing	Verify the transaction details and retry, or contact support for assistance
D0372	402	Additional customer authentication required	Transaction requires extra customer authentication to verify identity before approval or completion	Merchant must verify the customer identity before completing the sale or providing services
D0374	402	Honor with ID only	Only honor the card with verification of card holder’s ID	Merchant must verify the customer identity before completing the sale or providing services
D0376	402	Invalid Data in transaction request	The transaction request contains invalid data	Verify the transaction details and retry, or contact support for assistance
D0378	402	Mandatory field missing or invalid in transaction request	Transaction processor declined the transaction due to one or more mandatory field missing in transaction request	Verify the transaction details and retry, or contact support for assistance
D0380	402	Invalid or incomplete Level 2 data	Transaction processor declined the transaction due to missing or incorrect Level 2 data required for processing	Verify the transaction details and retry, or contact support for assistance
D0381	402	Invalid or incomplete Level 3 data	Transaction processor declined the transaction due to missing or incorrect Level 3 data required for processing	Verify the transaction details and retry, or contact support for assistance
D0327	402	Invalid date/time or time zone	Transaction processor declined the transaction due to incorrect or invalid date, time, or time zone information provided	Verify the transaction details and retry, or contact support for assistance
D0325	402	Invalid or missing MCC code	Transaction processor declined the transaction due to missing or invalid Merchant Category Code (MCC) required for processing	Verify the transaction details and retry, or contact support for assistance
D0405	402	Invalid merchant configuration	Transaction processor declined the transaction due to missing or invalid merchant configuration	Verify the transaction details and retry, or contact support for assistance
D0410	402	Invalid merchant account or merchant account is inactive	The transaction was declined by transaction processor because they did not recognize the merchant	Cardholder should call the card issuer to resolve. Retry payment if the card issuer gives the go ahead, else use a different card or payment method
D0415	402	This Merchant is not paired with a Host	This Merchant has not been set up with a Host and therefore cannot process payments	Contact support for assistance
D0450	402	No credit account	Card issuer did not find a credit account for the card and declined transaction	Use a different card or payment method
D0455	402	Invalid card number	Card issuer is not able to verify the card number	Use a different card or payment method
D0460	402	Expired card	Transaction declined because card expiration date is in the past	Use a different card or payment method
D0461	402	Missing or Invalid card expiration date	Transaction declined because card expiration date is in the past	Use proper format for card expiration date
D0465	402	New Card/Account Issued	Transaction processor declined the transaction as a new card or account has been issued for the customer	Use a different card or payment method

D0500-D0549

Card validation failures including invalid card numbers, expiration dates, and card brand restrictions.

Code	HTTP Status Code	Reason	Description	Resolution
D0505	402	Internal system error	Payment processor faced internal system error. Please try again later.	Try again later
D0510	402	PIN data required	Card issuer requires PIN to be provided on transaction	Retry the transaction with PIN, or use a different card or payment method
D0512	402	Generic PIN error	Card issuer detected some error with the PIN. Transaction was declined.	Retry the transaction with PIN, or use a different card or payment method
D0514	402	Cryptographic error found in PIN	PIN could not be verified due to cryptographic error. Transaction was declined.	Use a different card or payment method
D0516	402	Cannot verify PIN	PIN could not be verified by card issuer. Transaction was declined.	Retry as non-PIN transaction if possible, or use a different card or payment method
D0518	402	Invalid PIN	Transaction declined because incorrect PIN was provided	Cardholder can retry with correct PIN, or use a different card or payment method
D0520	402	PIN Not Changed	Card issuer requires the PIN to be changed. Transaction was declined.	Change the PIN and retry payment, or use a different card or payment method
D0530	402	Allowable number of PIN tries exceeded	PIN was incorrect and the number of retries has exceeded allowed limit. Transaction was declined.	Use a different card or payment method
D0532	402	KSN Error	The application was unable to generate or submit the key serial number	Verify the KSN (key serial number) data and retry, or contact support for assistance
D0540	402	Transaction not permitted to acquirer/terminal	Card issuer does not permit the transaction for this merchant or acquirer	Use a different card or payment method
D0542	402	Transaction flagged by AML restrictions	Card issuer identified AML (anti-money laundering) concerns and declined the transaction	Use a different card or payment method
D0544	402	Invalid ICC data	Required data for processing chip transactions was missing from the authorization request or data could not be parsed	Verify the chip data and retry, or contact support for assistance
D0546	402	ARPC Cryptogram Failure	Issuer’s response cryptogram doesn’t match the expected value	Contact support for assistance

D0550-D0599

Additional card validation issues related to test cards, PIN requirements, and card features.

Code	HTTP Status Code	Reason	Description	Resolution
D0560	402	Invalid POS information	Incorrect or missing data from the Point-of-Sale terminal	Verify the POS data and retry, or contact support for assistance
D0562	402	Invalid POS/Terminal Pair info	The pairing between the POS and terminal is invalid	Verify the POS and terminal data and retry, or contact support for assistance
D0564	402	POS device authentication successful	Rare response code treated as a decline	Activate device and retry transaction. If the issue persists try using a different terminal or contact support.
D0566	402	POS device authentication unsuccessful	Terminal failed to verify its identity with the host or network, possibly due to invalid credentials or configuration	Verify the POS authorization data and retry, or contact support for assistance
D0568	402	POS device deactivation successful	Rare response code treated as a decline	Activate device and retry transaction. If the issue persists try using a different terminal or contact support.
D0580	402	Terminal is offline	The terminal failed to connect to the internet and a downstream platform. Please reconnect the device to WiFi.	Retry the transaction when the terminal is connected to the internet
D0582	402	Terminal ID Error	The terminal unique ID is invalid, or is not registered in the system	Verify the terminal ID and retry, or contact support for assistance
D0584	402	Terminal response does not match POS request	Data returned by the terminal is inconsistent with what was expected	Contact support for assistance
D0586	402	Process Terminal response Error	Terminal response is invalid, incomplete, or cannot be processed correctly	Try again later or contact support for assistance
D0590	402	Invalid transaction type	The transaction type you are trying to perform cannot be performed due to a limitation in your POS or terminal configuration	Verify the transaction type and retry, or contact support for assistance
D0592	402	Error payment method	The payment method you are passing as a parameter is invalid or not supported	Verify the payment method information and retry, or contact support for assistance
D0594	402	Original transaction not found	Referenced transaction ID is missing or invalid in the system records	Verify the original transaction information and retry, or contact support for assistance
D0596	402	More than one original transaction found	Duplicate records exist, complicating the identification of the correct transaction	Verify the original transaction information and retry, or contact support for assistance

D0600-D0699

Card data and encryption errors including tokenization failures, invalid formats, and decryption issues.

Code	HTTP Status Code	Reason	Description	Resolution
D0610	402	Track 2 error	Track 2 data is unreadable, corrupted, or improperly formatted during swiping	Retry the transaction or use different payment method
D0620	402	EMV data error	EMV data is incomplete, corrupted, or incorrectly processed during transaction	Retry the transaction or use different payment method
D0630	402	Encryption method could not be determined	The device is configured with more than one encryption service. The request does not indicate which service to use.	Verify the encryption/decryption information and retry, or contact support for assistance
D0632	402	Encryption not configured	No encryption service configured for this device	Verify the device encryption/decryption service and retry
D0634	402	Encryption/decryption error	An error occurred during the encryption or decryption process Please contact support for assistance	Verify the encryption/decryption information and retry, or contact support for assistance
D0636	402	Invalid encryption type of version	Unsupported or incorrect encryption format used in secure data transmission	Verify the encryption/decryption information and retry, or contact support for assistance
D0640	402	This batch does not exist	You are trying to perform a batch and it does not exist in the terminal	Verify the batch information and retry, or contact support for assistance
D0642	402	This Merchant send BatchAll command frequently	The BatchAll command can only be submitted once every 4 minutes Too many attempts in that time frame will result in that message	Retry again later
D0650	402	Please Settle	The terminal is full of local transactions and needs to be manually settled	Settle the current batch before executing new transaction
D0655	402	Invalid URL	You are attempting to send transactions to an invalid URL on a downstream platform	Verify the URL information and retry, or contact support for assistance
D0660	402	CAPK Expired	Certification Authority Public Key is expired, the terminal or system may fail to complete the transaction securely	Contact support for assistance
D0662	402	Chip Blocked	Card’s chip is disabled due to repeated errors or suspected fraudulent activity	Use a different payment method or contact the card issuer
D0664	402	Chip Read Error	Card’s chip cannot be read or communicates incorrectly with the terminal	Use a different payment method or contact card issuer
D0666	402	Chip Malfunction	Card’s chip cannot be read or communicates incorrectly with the terminal	Use a different payment method or contact the card issuer
D0667	402	Chip Not Accepted	Terminal or system refuses the chip card due to compatibility or security issues	Use a different payment method or contact the card issuer
D0669	402	Chip Reject	Terminal declined the chip card transaction due to errors or failed authentication	Use a different payment method or contact the card issuer
D0671	402	Contactless failed	Terminal can not read or communicates card contactless information	Use a different payment method or contact the card issuer
D0672	402	Device memory is overflow	Terminal’s storage is full, preventing new data from being saved or processed	Try restarting the terminal and then retry the transaction. If the issue persists use a different terminal or contact support.
D0673	402	No PIN Pad	Terminal does not support PIN transaction or missing a PIN pad	Use a different payment method or contact the card issuer
D0674	402	PIN Pad can’t be used	Terminal does not support PIN transaction or missing a PIN pad	Use a different payment method or contact the card issuer
D0675	402	PIN Pad Failure	Terminal PIN pad malfunctioned	Retry the transaction. If the issue persists try restarting the terminal, using a different terminal or contact support.
D0676	402	PIN Pad Timeout	PIN pad timeout since customer takes too long to enter their PIN	Retry the transaction
D0677	402	Aborted	Transaction canceled by user on the terminal	Retry the transaction
D0678	402	Tax Amount Too Long	Entered tax value exceeds the system’s allowed character or digit limit	Verify the tax information and retry
D0679	402	Card type only for credit	Terminal or system configured for credit transactions, not debit or others	Use a credit card and retry the transaction
D0680	402	Unsupported card type	Terminal is not configured to accept this card type	Use a card type that is supported by the terminal
D0681	402	Terminal Amount Limits Exceeded	Amount limits in the terminal configuration exceeded	Retry the transaction with a lower amount
D0682	402	Tap Not Accepted	Terminal does not support or allow contactless (tap) payments for this transaction	Swipe or insert the card instead of tapping
D0684	402	Tap Not Accepted - Try another card	Terminal does not support or allow contactless (tap) payments for this transaction	Swipe or insert the card instead of tapping
D0685	402	Tap Terminated	Contactless payment was canceled or interrupted before completion	Retry the transaction. If the issue persists insert the card or use swipe to complete the transaction
D0686	402	Transaction declined by terminal rules	Terminal is configured to reject the transaction based on preset rules or detected errors	Use a different card, or try with a different amount
D0519	402	PIN Not Active	Cardholder’s PIN is not enabled or set up for PIN-based transactions	Cardholder should activate PIN on the card and retry, or use a different card

D0700-D0799

ACH-specific declines including routing number issues, account type mismatches, and service restrictions.

Code	HTTP Status Code	Reason	Description	Resolution
D0700	402	Invalid Bank Routing Number	Invalid routing number in the request message	Verify the routing number and retry the transaction
D0701	402	Invalid Bank Account Number	The bank account number in the request message is invalid	Verify the bank account number and retry the transaction
D0710	402	SEC violation	Transaction declined due to SEC (Standard Entry Class) code violation in ACH processing requirements	Verify the SEC code and retry the transaction
D0715	402	Invalid request for returning ACH transaction Use AchReturn	Return is not allowed for ACH transactions. Only AchReturn is allowed	Attempt a refund action. If the issue persists contact support.
D0720	402	Receiver limit exceeded	Transaction declined by the bank as the receiver’s transaction or funding limit has been exceeded	Retry transaction with a lower amount, attempt again when limits are not exceeded.
D0725	402	Invalid account number provided	The account in the operation was detected as invalid or nonexistent by card issuer. Transaction was declined.	Contact the card issuer and retry payment, or use a different card or payment method
D0730	402	Invalid/nonexistent “To Account” specified	The To Account in the operation was detected as invalid or nonexistent by card issuer. Transaction was declined.	Contact the card issuer and retry payment, or use a different card or payment method
D0731	402	Invalid/nonexistent “From Account” specified	The From Account in the operation was detected as invalid or nonexistent by card issuer. Transaction was declined.	Contact the card issuer and retry payment, or use a different card or payment method
D0735	402	ACH Non-Participant	Transaction failed because the receiving bank is not a participant in the ACH network	Verify the routing number is a valid Fed ACH routing number and retry the transaction

D0800-D0899

Check processing declines covering MICR validation, duplicate checks, and check-specific restrictions.

Code	HTTP Status Code	Reason	Description	Resolution
D0800	402	Invalid MICR Data	The MICR data in the request message is invalid	MICR information on a check is incorrect or unreadable
D0810	402	Invalid Account Type	The account type in the request message is invalid	Verify the account type information and submit again
D0812	402	Invalid Check Type	The check type in the request message is invalid	Verify the check type information and submit again
D0814	402	Missing Signature	Account holder signature is missing in the check	Verify the account holder signature in the check and submit again
D0816	402	Missing Endorsement	The check is missing the required signature on the back for authorization	Verify the signature and submit again
D0818	402	Invalid Check Date	The date format in the request message is invalid	Verify the check date and submit again
D0820	402	Car Lar Mismatch	Mismatch between the check amount written in numbers (courtesy amount) and letters (legal amount) provided on check image	Verify the amount in digit and in letter, if there is no mismatch submit again or use a new check
D0822	402	CallNox Timeout	Check verification or authorization failed in the terminal due to time out	Retry the transaction later
D0824	402	Duplicate Check	Same check has already been submitted or processed, and the system is flagging it to prevent double payment or fraud	This check is already submitted or processed Do not retry with this check
D0826	402	Blocked Check	The check provided in transaction is blocked	Try a new check since this check is blocked and can not be processed
D0828	402	Cannot Process Image	System could not process the check image	Try uploading a fresh check image
D0830	402	Invalid Check Number	The check number in the request message is invalid	Verify the check number and retry
D0832	402	Bank Account Closed	The bank account does not exist	Do not retry with this check
D0834	402	Decline NSF	Transaction was declined due to Non-Sufficient Funds in the customer’s bank account	Verify that the check issuer has sufficient balance before resubmit
D0836	402	Check Image Decline	Scanned check image is invalid, unreadable, or fails verification checks	Upload a fresh check image and retry
D0838	402	Check Digit Error	Card number validation failed due to error in check digit	Verify the card number is entered correctly and retry the transaction
D0840	402	Maker Check Return Stop Pay Limit Exceeded	Maker’s stop payment request exceeded allowed transaction limit	Verify limit and inform maker to adjust request
D0842	402	Maker Check Return No Auth Limit Exceeded	Unauthorized maker check amount exceeded account’s authorization limit	Contact check issuer before resubmit
D0844	402	Maker Check Return No Settlement Limit Exceeded	Maker’s check amount exceeded the account’s settlement threshold	Contact check issuer before resubmit
D0846	402	Maker Check Return NSF/Other Limit Exceeded	Check returned due to insufficient funds or limit violation by maker	Contact check issuer before resubmit
D0848	402	Maker Check Return Limit Exceeded	Maker’s check exceeded allowed transaction or daily processing limit	Contact check issuer before resubmit
D0850	402	Customer Check Return Stop Pay Limit Exceeded	Customer-issued stop payment exceeded the permitted limit threshold	Contact check issuer before resubmit
D0852	402	Customer Check Return No Auth Limit Exceeded	Unauthorized check by customer surpassed the approval limit	Contact check issuer before resubmit
D0854	402	Customer Check Return No Settlement Limit Exceeded	Check amount exceeded settlement limit for customer’s account	Contact check issuer before resubmit
D0856	402	Customer Check Return NSF/Other Limit Exceeded	Check bounced due to NSF or over limit by customer	Contact check issuer before resubmit
D0858	402	Customer Check Return Limit Exceeded	Customer check exceeded allowed transaction or daily processing limit	Contact check issuer before resubmit
D0860	402	Customer Check Cashing Limit Exceeded	Check cashing request exceeded customer’s permitted cashing limit	Contact check issuer before resubmit

D0900-D0999

Account and card updater service errors related to closed accounts, contact requirements, and update failures.

Code	HTTP Status Code	Reason	Description	Resolution
D0900	402	The card issuer does not have a record of this card number or account	The card or account number is unrecognized or missing in issuer’s records	Use a different card or payment method
D0910	402	Cancel all recurring payments associated with the provided card number	Card holder has instructed to stop all recurring charges for the specified card number	Cancel any future recurring payments, inspect account status, contact customer if needed
D0920	402	Updated cardholder information is available	Transaction declined by the issuer since new account or card information available for the cardholder	Use the new card or account number to complete the payment
D0930	402	Payment declined. Try again after a few days	Transaction is temporary declined by the card issuer	Retry the transaction after waiting a few days
D0940	402	The customer has requested a stop to recurring payments	Customer has requested a stop on future recurring payment attempts	Contact the customer
D0942	402	A stop payment order has been issued	Issuer received and enforced a stop payment request on the transaction	Contact the customer
D0944	402	Authorization for future payments has been revoked	Cardholder revoked consent for recurring or future transaction authorization	Contact the customer
D0950	402	Bill payments or recurring transactions are not supported for this account	Card or account does not support recurring or bill payment transactions	Contact the customer to use a different payment method for this transaction

D1000-D1099

Merchant configuration declines due to missing settings, unsupported features, or account restrictions.

Code	HTTP Status Code	Reason	Description	Resolution
D1000	400	The transaction request contains invalid or missing information		Verify that all required fields are complete and correctly formatted and then resubmit the transaction
D1001	400	Consumer verification failed		Reenter accurate consumer information and then resubmit the transaction
D1002	400	Merchant information mismatch		Merchant related information is invalid or incomplete please contact the merchant before resubmitting
D1003	400	Merchant account is not configured to handle this request		Merchant account is not set up for this request please contact the merchant before resubmitting
D1004	400	Generic system error	An unexpected error occurred in with backend processor	Contact support for assistance

Error codes (E3000-E9999)

These codes indicate validation or processing errors.

E3000-E3399

These codes cover basic validation failures for parameters, user configurations, and data formats.

Code	HTTP Status Code	Reason	Description	Resolution
E3001	400	Invalid entrypoint name	Entrypoint specified in parameter does not exists	Correct the parameter and try again
E3002	400	Invalid Amount	Amount value is empty or negative	Provide a valid amount
E3003	400	Invalid parameter value in request	The value provided in parameter is incorrect	Provide the correct value for parameter
E3004	400	Invalid TimeZone value	The timezone value provided is invalid	Provide a correct value between -12 and +12
E3005	400	Invalid paypoint id	The paypoint id value provided is invalid	Provide a correct paypoint id value
E3006	400	Invalid user status	The value provided is invalid	Provide a correct status value for user (0,1,85)
E3007	400	The transaction cannot be refunded	We can’t refund this transaction because it already has an associated chargeback or return	Contact support with questions
E3012	400	Invalid Amount	Amount value is greater than available amount for action	Provide a valid amount and retry transaction
E3013	400	Invalid Amount	Amount value is different to amount in invoices	Provide a valid amount and retry transaction
E3014	400	Invalid Amount	Amount value is not the same as the authorized amount	Make sure the capture amount is the same as the authorized amount and then retry
E3015	400	Invalid Total Amount	Total Amount cannot be zero	Make sure the total amount is greater than zero and then retry
E3016	400	Invalid Total Amount	Amount value lesser than 85% of authorized amount is not allowed	Make sure the capture amount is greater than 85% of the authorized amount and then retry
E3201	400	Empty scope array for user	The scope specified for user is empty	Provide a valid scope for user
E3202	400	Empty access array for user	The access specified for user is empty	Provide a valid access array for user
E3203	400	Empty email address for user	The email specified for user is empty	Provide a valid email address for user
E3204	400	Duplicated email address	A user with this email address exists already	Provide a valid email address (not used yet in platform) for user
E3205	400	Invalid scope declared by requestToken	The scope provided is outside of the scope of the used API token in the request	Review the scope provided in request The platform rules not allow scopes not included in the parent API token
E3206	400	Invalid access declared by requestToken	The access provided is outside of the access authorized of the used API token in the request	Review the access provided in request The platform rules not allow access not included in the parent API token
E3207	400	Invalid email address	The email address provided is invalid	Review the value of the email address provided in request. The email address needs to follow the format specified in RFC 881.
E3208	400	Invalid phone number	The phone number provided is invalid	Review the value of the phone number provided in request. The phone number needs to satisfy the regular expression ”^[+]?[(]?[0-9]3[)]?[-\s]?[0-9]3[-\s]?[0-9]6$”. Examples: +1(786)111-2222, 2342221234, 111 222 2345, 555-444-1111.
E3209	400	Invalid country code	The country code provided is invalid	Review the value of the country code provided in the request. The country code must be in ISO-3166-1-Alpha 2 format. See https://en.wikipedia.org/wiki/ISO_3166-1 for reference.
E3210	400	Invalid mail country code	The mail country code provided is invalid	Review the value of the mail country code provided in the request. The country code must be in ISO-3166-1-Alpha 2 format. Check out https://en.wikipedia.org/wiki/ISO_3166-1 for reference.
E3211	400	Invalid start date	The start date value is invalid	Provide the value in one of accepted formats: YYYY-MM-DD or MM/DD/YYYY
E3212	400	Invalid billing table	The billing table configuration is invalid	The paypoint already has a billing table, please use the update endpoint or delete the current billing table

E3400-E3699

These codes relate to specific field validation errors for bills, vendors, invoices, customers, and related entities.

Code	HTTP Status Code	Reason	Description	Resolution
E3401	400	Invalid Bill Number	Field BillNumber empty	Provide the required value in request
E3402	400	Duplicated Bill Number	Value provided in field BillNumber exists already in Entity	Provide a different BillNumber in request
E3403	400	Missing Vendor information	Vendor data missing from request	Provide the minimal required data for Vendor
E3404	400	Invalid Vendor Number	Field VendorNumber empty	Provide the required value in request
E3405	400	Missing frequency value	Required frequency for scheduled bill is empty	Provide the required frequency value in request: onetime, weekly, every2weeks, every6months, monthly, every3months, annually
E3406	400	Invalid frequency value	Provided frequency value for scheduled bill is invalid	Provide the required frequency value in request: onetime, weekly, every2weeks, every6months, monthly, every3months, annually
E3407	400	Invalid EndDate format	Date value empty or in a not valid format	Provide the value in one of accepted formats: YYYY-MM-DD or MM/DD/YYYY
E3408	400	Invalid EndDate value	Date provided cannot be lesser or equal than today date	Provide a correct value in Date field
E3409	400	Vendor is Inactive	The vendor status is not acceptable for action	Update vendor status to active
E3410	400	Invalid Bill Id	The provided Bill identifier doesn’t exist or doesn’t have a valid status	Provide a correct identifier value in the request
E3411	400	Invalid Bill status	Current Bill status is not acceptable for action	Verify the status of the bill before resubmitting the request
E3412	400	Bill has associated payments	Cannot execute action because payment records associated	Cancel associated payments
E3413	400	Existing payment link for Id	A payment link already exists for the provided Id	Review the payment link id and try again
E3414	400	Invalid entrypoint	The entrypoint associated with the bill does not exist	Verify the entrypoint related to the bill
E3415	400	Invalid entrypage	The entrypage associated with the paypoint does not exist	Verify the entrypage related to the paypoint
E3416	400	Missing email	The vendor associated to the bill doesn’t have a valid email	Verify the vendor’s email is not empty and has a valid format
E3417	400	Invalid Invoice Id	The provided Invoice identifier doesn’t exist or doesn’t have a valid status	Provide a correct identifier value in the request
E3418	400	Invalid customer	The provided Invoice identifier doesn’t have a valid customer associated	Review the customer associated to the invoice and try again
E3419	400	Invoice not available	Current Invoice status is not acceptable for action	Verify the status of the invoice before resubmitting the request
E3420	400	Duplicated Bill Number	Value provided in field BillNumber exists already within the Vendor	Provide a different BillNumber in request
E3421	400	Invalid Vendor Id	The provided Vendor identifier doesn’t exist or doesn’t have a valid status	Provide the required value in request
E3422	400	Invalid Vendor Name	Field Name1 empty	Provide the required value in request
E3423	400	Missing address field	Field address(1) empty	Provide the required value in request
E3424	400	Missing address field	Field city in address empty	Provide the required value in request
E3425	400	Missing address field	Field state in address empty	Provide the required value in request
E3426	400	Missing address field	Field zip in address empty	Provide the required value in request
E3427	400	Invalid EIN	Invalid value provided for EIN field	Provide the required value in request using the format of 9 digits
E3428	400	Missing email	Vendor email address is required for vCard	Verify the vendor’s email is not empty and has a valid format
E3429	400	Empty transaction list	List of transaction in input was not provided	Verify the list of transactions is provided in request
E3430	400	Invalid Customer Id	The provided Customer identifier doesn’t exist or doesn’t have a valid status	Provide the required value in request
E3431	400	Empty approvals	Empty approvals	Provide the required value in request
E3432	400	No attachments found	No attachments found	Provide valid attachment
E3433	400	Invalid orgId	The organization ID provided in the request is invalid or does not exist	Provide a valid organization id
E3434	400	Invalid Level in request	The level value provided in the request is invalid	Provide a valid level
E3435	400	Invalid Vendor Status	The vendor status value provided in the request is invalid	Provide a valid vendor status
E3436	400	Duplicated vendor under entry	A vendor with the same information already exists under this entrypoint	The provided vendor already exists under the provided merchant. Update the existing vendor instead, or check the values in your request.
E3437	400	Invalid Year value	The year value provided in the request is invalid or not in the correct format	Provide the value in the accepted format: YYYY
E3438	400	Invalid dates	The startDate cannot be greater than the endDate	Provide valid startDate and endDate parameters
E3439	400	Invalid parameters for custom mode	The custom mode must provide a valid startDate and endDate parameters	Provide valid startDate and endDate parameters when using the custom mode
E3440	400	Missing or Incomplete remit address	Remit address is required for Check	Verify the vendor’s remit address is not empty and has a valid format
E3441	400	Missing or Incorrect Bank information	Complete and valid bank account information is required for Check	Verify the vendor’s bank information is not empty and has a valid format
E3442	400	Invalid characters detected in vendor information	Only letters, numbers, and . , # ’ - & characters are allowed in Name, Address, and City fields.	Remove special characters like @, $, %, ^, *.
E3501	400	Invalid request	The search field is missed, null or empty in the request	Provide a valid search field in the body request
E3601	400	Invalid payment link Id	The provided payment link id is invalid or inactive	Review the Payment link id and try again
E3602	400	Invalid invoice/bill	The provided payment link id doesn’t have a valid invoice/bill associated	Review the Payment link id and try again
E3603	400	Entrypoint does not exist	The provided payment link id is not associated to a valid entrypoint	Review the Payment link id and try again
E3604	400	EntryPage does not exist	The entrypoint does not have a valid entrypage	Verify the entrypoint has a payment page created Review the payment link id and try again
E3605	400	Invalid vendorId or customerId	A customerId or a VendorId is required for a new vCard	Verify the request and provide the missing data
E3614	400	Subdomain does not exist	The entrypoint does not have a valid subdomain	Verify the entrypoint has a payment page created Review the information in request and try again

E3700-E3999

These codes handle validation errors for specific transaction fields, authentication, payments, and various business logic constraints.

Code	HTTP Status Code	Reason	Description	Resolution
E3701	400	Invalid application ID	Invalid application ID or doesn’t exists	Provide a valid application ID
E3702	400	An error occurred while processing the request	An error occurred while processing the request	Try again later If the error persist please contact your API provider
E3703	400	Duplicated Bank account	The bank account already exists	If you need to update an existing Bank account please use the edit endpoint
E3704	400	Invalid bank id	The bank ID provided in the request does not exist in the system	Provide a valid/existing bank id
E3705	400	Invalid routing number	The bank routing number provided is not in a valid format	Provide a valid routing number
E3706	400	Invalid account number	The bank account number provided is not in a valid format	Provide a valid account number
E3707	400	Invalid account type	The bank account type provided is not a valid value	Provide a valid account type: Checking/Savings
E3708	400	Invalid bank account holder type	The bank account holder type provided is not a valid value	Provide a valid bank account holder type: Personal/Business
E3709	400	Invalid bank account function	The bank account function/purpose provided is not a valid value	Provide a valid bank account purpose: 0 -> Deposit, 1 -> Withdraw , 2 -> Deposit/Withdraw
E3710	400	Invalid bank name	The bank name provided is invalid or missing	Provide a valid bank name
E3711	400	Invalid account holder name	The account holder name provided is invalid or missing	Provide a valid account holder name
E3712	400	Billing id not found	The billing ID provided does not exist in the system	Provide a valid billing id in the request
E3713	400	The entry point doesn’t have a billing table	No billing table is configured for this entry point	Create a billing table if required
E3714	400	Error with the billing request	Billing object has missing or invalid field	Review the billing object for any missing or invalid field
E3715	400	Duplicated bank information	The combination of bank account number, routing number and function already exists	Verify the bank information or update the existing bank entity
E3721	400	Unbundled flag mismatch	Vendor unbundled flag doesn’t match with payment unbundled flag	Use the flag configured in the vendor details
E3722	400	Repeated Check Number	Authorization failed because the value in the checkNumber field has been used within the last 30 days	Retry your request with a different checkNumber value
E3724	400	Invalid amount for netAmount + discount	The sum of netAmount and discount is more than the total from the original bill	Send the correct sum for netAmount and discount
E3727	400	Invalid Check Number	Authorization failed because the value in the checkNumber field is greater than 8 digits	Retry your request with a valid checkNumber value
E3728	400	Invalid Check Number	Authorization failed because the value in the checkNumber field is not a number	Retry your request with a valid checkNumber value
E3750	400	Invalid funding configuration ID	The provided funding configuration ID is invalid	Verify that the funding configuration ID is correct and try again
E3751	400	Funding configuration already exists	A funding configuration already exist for the entry, merchant ID and service	Retry with different values
E3752	400	Invalid primary transfer config	The provided primary transfer config cannot be empty or null	Verify transfer funding configuration is correct and try again
E3753	400	Missing NET funding block	Required funding block NET is missing from primary transfer configuration	Add NET funding block to primary transfer configuration and try again
E3754	400	Missing required funding blocks	All required funding blocks in the transfer configuration should exist	Include all the required funding blocks and try again
E3755	400	Missing bank account information in ACH channel	ACH channels should have bank account information	Add bank information to ACH channel configuration and try again
E3801	400	Max length for itemCommodityCode exceeded	Max length for itemCommodityCode field is 250 characters	Reduce the string length to 250 characters or less
E3802	400	TMax length for itemProductCode exceeded	Max length for itemProductCode field is 250 characters	Reduce the string length to 250 characters or less
E3803	400	Max length for itemProductName exceeded	Max length for itemProductName field is 250 characters	Reduce the string length to 250 characters or less
E3804	400	Max length for itemDescription exceeded	Max length for itemDescription field is 250 characters	Reduce the string length to 250 characters or less
E3805	400	Max length for itemUnitOfMeasure exceeded	Max length for itemUnitOfMeasure field is 100 characters	Reduce the string length to 100 characters or less
E3901	400	Empty Text field	The input field Text is empty	Provide a value in required field Text
E3902	400	Invalid color code provided in field darkColor	The hexadecimal HTML code provided is incorrect	Provide a correct HTML code value Reference https://html-colorcodes/
E3903	400	Invalid color code provided in field lightColor	The hexadecimal HTML code provided is incorrect	Provide a correct HTML code value Reference https://html-colorcodes/
E3904	400	Both color codes need to be provided in fields lightColor and darkColor	The hexadecimal HTML code provided is incorrect or the field is empty	Provide a correct HTML code value Reference https://html-colorcodes/
E3905	400	Max length for Number field exceeded	Max length for Number field is 19 chars	Reduce the string length to a maximum of 19 characters
E3906	400	Max length for Text field exceeded	Max length for Text field is 23 chars	Reduce the string length to a maximum of 23 characters
E3907	400	Max length for Holder field exceeded	Max length for Holder field is 30 chars	Reduce the string length to a maximum of 30 characters
E3908	400	Max length for Holder1 field exceeded	Max length for Holder1 field is 30 chars	Reduce the string length to a maximum of 30 characters
E3909	400	Max length for ExpDate field exceeded	Max length for ExpDate field is 8 chars	Reduce the string length to a maximum of 8 characters
E3910	400	Max length for CVV field exceeded	Max length for CVV field is 4 chars	Reduce the string length to a maximum of 4 characters
E3911	400	Amount cannot be negative	A negative value is not accepted	Provide a positive value in the input field
E3912	400	Invalid Theme value provided	The theme name provided does not exist	Provide a valid value in the input field

E4000-E4999

Processing and system errors covering service outages, timeouts, and internal system failures.

E5000-E5999

Service fee calculation errors and merchant relationship configuration issues.

Code	HTTP Status Code	Reason	Description	Resolution
E5000	400	Transaction rejected by backend processor	Backend processor rejected the transaction	Contact support or try to process payment with a different card or payment method
E5004	400	Invalid service fee value	Provided service fee value is less than zero	Please make sure that the service fee value in the request is greater than or equal to zero
E5005	400	Invalid Service Fee value	Provided service fee value is lesser than value agreed	Review value provided in request and try again
E5006	400	Invalid Service Fee value	Provided service fee value is greater than value agreed	Review value provided in request and try again
E5009	400	Invalid stored method relationship	Provided stored method and customer are not related	Review value provided in request for stored method and customer and try again
E5010	400	Invalid chargeback ID	The provided chargeback identifier does not exists in the platform	Review the value of the chargeback identifier and try again
E5011	400	Invalid chargeback status	The chargeback status provided is not allowed	Review the value of the chargeback status and try again
E5012	400	Invalid ACH return ID	Provided ACH return identifier does not exist in the platform	Verify ACH return identifier is correct and then try again
E5013	400	Invalid ACH return status	Provided ACH return status is not allowed for this transaction	Verify ACH return status is valid for this transaction
E5014	400	Invalid transaction method	The provided transaction identifier is invalid or does not correspond to a valid ACH payment	Verify the transaction identifier and make sure that it corresponds to a valid ACH payment
E5015	400	Invalid transaction ID	The provided transaction identifier does not exist in the platform	Verify the transaction identifier and make sure that it’s correct
E5016	400	Invalid transaction ID	The transaction already has an associated return	This transaction has already been returned
E5017	400	Invalid transaction method	The provided transaction identifier is invalid or does not correspond to a valid card payment	Verify the transaction identifier and make sure it corresponds to a valid card payment
E5018	400	Invalid transaction ID	The transaction already has an associated chargeback	This transaction has already been charged back
E5019	400	Invalid chargeback status	The provided chargeback status is not allowed for this transaction	Check the chargeback status and make sure that it’s valid for this transaction
E5020	400	Invalid chargeback ID	The provided chargeback identifier does not exist in the platform	Verify the chargeback identifier and make sure that it’s correct
E5021	400	Refund failed. Missing connector data	Refund failed due to missing processor connector data	Review processor connector data and then retry refund. Contact support if you need help.
E5022	400	Refund failed. Missing payment data	Refund failed due to missing payment data of the original transaction	Verify refund request is for valid transaction and then retry. Contact support if error persists.
E5023	500	Error getting data from vault service	Internal system error occurred while getting vault data during de-tokenization	Retry the transaction. Contact support if error persists.
E5025	400	Internal error creating processor gateway connector	Internal system error occurred while creating processor gateway connector	Retry the transaction. Contact support if error persists.
E5100	400	Format error	Card network or card issuer could not process transaction due to a format error	Contact support or try to process payment with a different card or payment method

E6000-E6999

Domain registration, service configuration, and merchant setup validation errors.

Code	HTTP Status Code	Reason	Description	Resolution
E6000	400	Opt-in process is already pending for this customer	An opt-in request has already been sent to this customer	The customer must complete the opt-in process
E6001	400	SMS configuration is missing	Configuration to send SMS is not complete	Contact Support to enable this feature
E6002	400	The request has failed because the user hasn’t consented to communications	The recipient hasn’t opted-in to receiving SMS communications	The customer must complete the opt-in process
E6003	400	Invalid customer ID	The provided customer identifier doesn’t exist or doesn’t have a valid status	Provide a correct identifier value in the request
E6004	400	Missing or invalid phone number	Phone number is required for customer consent request	Verify that the customer’s phone number is not empty and has a valid format
E6005	400	Invalid payment link type	Invalid payment link type	Payment link must be for an invoice
E6006	400	Missing or invalid phone number	Phone number is required to send a payment link	Verify that the customer’s phone number isn’t empty and has a valid format
E6007	400	Missing or invalid email address	Email address is required to send a payment link	Verify that the customer’s email isn’t empty and has a valid format
E6008	400	Invalid additional email addresses	One or more of the additional email addresses aren’t valid	Verify that the additional email addresses aren’t empty and has a valid format
E6009	400	Invalid channel	Invalid communication channel value	Verify that the communication channel is one of the valid options: sms or email
E6010	400	Invalid invoice	The provided payment link ID doesn’t have a valid invoice associated	Verify that the invoice exists and has a valid status
E6101	400	Invalid domain ID	The provided domain ID is invalid	Verify that the domain ID is correct and try again
E6102	400	Cascading is not supported for this entity type	Cascading domains is allowed only for the domains owned by organizations	Use a domain owned by an organization
E6103	400	Failed to cascade the domain	An error occurred while cascading the domain	Try cascading the domain again later
E6201	400	No card service found for this paypoint	Card service is required to enable Apple Pay	Configure card service and then retry. Contact support if you need help.
E6202	400	Card services are disabled for this paypoint	Card services should be enabled to use Apple Pay	Activate card service and then retry. Contact support if you need help.
E6203	400	No card gateway found for this paypoint	Card gateway is required to enable Apple Pay	Configure card gateway and then retry. Contact support if you need help.
E6204	400	Invalid card credentials for this paypoint	Card credentials are required to enable Apple Pay	Configure card credentials and then retry. Contact support if you need help.
E6205	400	Apple Pay configuration update in progress for this organization	There is an ApplePay configuration update in progress for this organization	Wait for the update to finish and try again
E6206	400	Failed to cascade organization updates	An error occurred while cascading the organization updates	Try again later
E6210	400	Payment tier not found for the amount	Payment tier configuration not found for the transaction amount	Verify the amount and retry transaction, or contact support to review payment tier configuration.
E6211	400	Payment tier does not exist	Payment tier configuration with fees, min/max limits does not exist	Configure payment tier and then retry. Contact support if you need help.
E6212	400	Processor gateway configuration missing	Processor gateway configuration required for transaction processing is missing	Configure processor gateway configuration and then retry. Contact support if you need help.
E6213	400	Multiple processor gateway configuration for payment method	Multiple processor gateway configurations found for the specified payment method	Review processor gateway configuration and then retry. Contact support if you need help.
E6214	400	Default processor gateway not configured for payment method	No default processor gateway found for method [{PaymentMethod}] and paypoint [{PaypointId}]	Configure default processor gateway and then retry. Contact support if you need help.
E6215	400	Service configuration not found for payment method	Unable to locate a service for method {paymentMethod} and paypoint {paypointId} and group {paymentGroup}	Review and configure payment method service and then retry. Contact support if you need help.
E6216	400	Processor gateway mapping not found for payment method	Unable to locate a processor gateway for method {pmethod} and paypoint {paypointId} and group {pgroup}	Review processor gateway configuration and then retry. Contact support if you need help.
E6217	400	Transaction amount outside min / max limit	Transaction amount is outside the set minimum and maximum amount limits	Adjust transaction amount and then retry, or contact support to review amount limits
E6218	400	Invalid paymentMethod storedMethodId	Stored method identifier is invalid for the specified payment method	Verify storedMethodId is for the correct payment method and then retry transaction
E6219	400	Missing Connector Data	Required processor connector data is missing	Review processor connector data and then retry. Contact support if you need help.
E6220	400	Same Day ACH is not enabled	Same Day ACH needs to be enabled for this paypoint before trying Same Day ACH transaction	Enable Same Day ACH and then retry transaction. Contact support if you need help.
E6221	400	Transaction is outside the Same Day ACH window	Same Day ACH is only available between 0:00 AM and 2:00 PM EST	Process the transaction as a normal ACH transaction, or wait until window for Same DAY ACH opens.

E7000-E7999

Transaction validation errors for amounts, duplicates, authorization states, and business rule violations.

Code	HTTP Status Code	Reason	Description	Resolution
E7001	400	Invalid transaction ID	The provided transaction identifier does not exist in the platform Please note that it may take a short while for the transaction to appear in our system	Review the value of the transaction identifier and try again
E7002	400	Invalid transaction status	The status of the transaction does not allow the action requested	Verify the status of the transaction. For refunds, the transaction must be settled. When voiding or canceling a sale, auth, or a refund transaction, the status must be Approved (1) or Authorized (11).
E7003	400	Invalid payment method	Stored payment methods cannot be validated	Change the payment method or remove any reference to stored payment method in the request
E7004	400	Invalid payment method	Provided payment method cannot be executed	Change the payment method
E7005	400	Missing card number	Field cardnumber in payment method object is empty	Provide a valid card number in payment method object
E7006	400	Missing payment method	The payment method object is empty	Provide valid data in payment method object
E7007	400	Invalid payment method	Stored payment method provided does not exists	Provide a valid data in payment method object
E7008	400	Missing payment details	The payment detail object is empty	Provide a valid data in payment detail object
E7009	400	Invalid currency code	Currency code provided is invalid	Provide a valid ISO 4217 currency code
E7010	400	Invalid card expiration date	The expiration date provided is invalid	Review the expiration date The value need to be in format MM/YY or MMYY
E7011	400	Invalid payment method	Not payment instrument was provided in request	Review the payment method object for any missing data
E7012	400	Invalid payment method	missing achholder or checknumber in check payment method	Review the payment method object and payment detail object for any missing data
E7013	400	Invalid payment method	Missing bank account number in request	Review the payment method object for any missing data
E7014	400	Invalid payment method	Invalid bank account type in request	Review the payment method object for any missing data. Accepted values for bank account type are: SAVINGS or CHECKING.
E7015	400	Invalid card number	Invalid card number provided	Provide a valid card number in payment method object
E7016	400	Invalid CVV number	Invalid CVV number provided	Provide a valid CVV number in payment method object
E7017	400	Invalid payment method	Missing device identifier in paymentMethod object	Review the payment method object for any missing data
E7018	400	Invalid payment method	Invalid device identifier in paymentmethod object	Review the payment method object for any missing data
E7019	400	Invalid payment method	Stored payment method provided and customer do not match	Review the payment method object for any missing data. Provide the customerId linked to the stored payment method provided
E7020	400	Error in customer data	Review customer object for any missing or invalid fields	Review customer object for any missing or invalid fields
E7021	400	Invalid invoice number	Customer associated to payment does not match with referenced invoice	Review customer object and invoice data provided in request
E7022	400	Invalid invoice action	Trying to pay a scheduled Invoice	Review the data provided in request and try again
E7023	400	Invalid invoice action	Trying to pay an invoice with a not valid status	Review the data provided in request and try again
E7024	400	Invalid invoice action	Trying to pay an invoice with zero or negative amount	Review the data provided in request and try again
E7025	400	Invalid invoice action	Trying to overpay an invoice	Review the data provided in request and try again
E7026	400	Invalid invoice number	Vendor associated to payment does not match with referenced invoice	Review vendor object and invoice data provided in request
E7027	400	Invalid card expiration date	The expiration date provided is invalid	Review the expiration date. The value needs to be in MM/DD/YY format.
E7028	400	Invalid card expiration date	The expiration date provided is invalid	Review the expiration date. The value needs to be in MM/DD/YY format.
E7029	400	Invalid MCC value provided	The MCC value is invalid	Review the data provided in request and try again
E7030	400	Invalid TCC value provided	The TCC value is invalid	Review the data provided in request and try again
E7031	400	Invalid expense limit provided	The expense limit value is invalid	Review the data provided in request and try again
E7032	400	Invalid expense limit period provided	The expense limit period value is invalid	Review the data provided in request and try again
E7033	400	Invalid cardtoken provided	The cardtoken value is invalid	Review the data provided in request and try again
E7034	400	Invalid cardtoken provided	The vCard is cancelled already	Review the data provided in request and try again
E7035	400	Invalid customer id	The customer ID provided in the request is invalid or does not exist	Review the data provided in request and try again
E7036	400	Invalid payment method	Missing bank account holder or check number in request	Review the payment method object for any missing data
E7037	400	Invalid transaction status	The current status of transaction does not allow requested action	Review status of transaction before submit the request. The platform does not accept Void actions for payments that are funded or have funding in transit. Similarly, the platform does not accept Refund actions for payments that are not yet settled.
E7038	400	Invalid stored method type	Provided stored method is not supported by the paypoint	A universal tokenized method was provided in request but the target paypoint does not support it
E7039	400	Invalid stored method type	Provided stored method is not supported by the paypoint	A network tokenized method was provided in request but the target paypoint does not support it
E7040	400	Invalid payment method	The type of the stored method cannot be used in this paypoint	Review the payment method object. Only universal tokens and network tokens can be used at a payment point other than the one they belong to
E7041	400	Invalid payment method	Tokenization provider of stored method is incompatible with processor in paypoint	Review the payment method object. The tokenization provider for needs to be the same or be compatible with the payment provider
E7042	400	Invalid value field	Provided comments value exceed the limit of 250 chars for this field	Reduce the content and try again
E7043	400	Void is declined	Void is not allowed after the batch is closed	Perform a refund instead. A transaction can’t be voided after batch close.
E7045	400	Missing invoices object in request body	Missing invoices object in request body	Populate invoices object
E7047	400	Unique check id and/or check image is missing for ACH BOC	Unique check id and/or check image is missing for ACH BOC	Provide check unique id or check image for the request
E7048	400	Routing and account number is required for this transaction.	Routing and account number is required for this transaction.	Provide routing and account number for this transaction.
E7049	400	Invalid check unique id.	Invalid check unique id.	Provide a valid check unique id.
E7050	400	Invalid payment method	Invalid ACH holder type in the request	Review the payment method object for any invalid data. Accepted values for ACH holder type are: personal or business
E7051	400	Invalid payment method	Invalid ACH code in the request	Review the payment method object for any invalid data. Accepted values for ACH code are: WEB, TEL, PPD, CCD or BOC
E7052	400	Invalid payment method	The provided ACH code and holder type combination is invalid. CCD as achCode can only be used with a business achHolderType.	Review the payment method object for any invalid data. Ensure that if achCode is CCD, then achHolderType is set to business.
E7060	400	Invalid ‘initiator’ for CIT/MIT	’initiator’ provided for CIT / MIT is not supported	Send the correct ‘initiator’ for CIT / MIT and then retry the transaction
E7061	400	Invalid ‘storedMethodUsageType’ for CIT/MIT	’storedMethodUsageType’ provided for CIT / MIT is not supported	Send the correct ‘storedMethodUsageType’ for CIT / MIT and then retry the transaction
E7062	400	Invalid ‘walletType'	'walletType’ provided in the request is not supported	Send the correct ‘walletType’ and then retry the request
E7063	400	Invalid ‘walletToken'	'walletToken’ is missing, expired, incorrectly formatted, or unable to decipher	Refresh and retry the digital wallet transaction.

E8000-E8999

Processing state errors when transactions are in incorrect states for requested operations.

Code	HTTP Status Code	Reason	Description	Resolution
E8001	400	Invalid Token in request	Provided token is in use under different service	Remove provided token from other services before execute the action
E8002	400	Invalid parameter in request	Requested component type require a valid subType	Provide a valid subtype in request
E8003	400	File system service is not available	The server is not ready to handle the request	Please try again, if the error persists contact your administrator
E8012	400	Invalid amount	Invalid amount value provided for action	Review the amount provided. Remember that transactions with split funding data do not support partial capture
E8013	400	Invalid split funding instructions	Missing or invalid split instructions provided for action	Review the instructions provided for the action, and review amounts and recipients
E8014	400	Invalid split funding instructions	Invalid Amount in split instruction. The amount provided is greater than balance in split	Review the instructions provided for the action, and review amounts and recipients
E8015	400	Invalid split funding instructions	Invalid Amount in split instruction. The amount provided is different than sum of amounts in split instructions	Review the instructions provided for the action, and review amounts and recipients
E8016	400	Invalid split funding instructions	Invalid Amount in split instruction. The amount cannot be negative	Review the instructions provided for the action, and review amounts and recipients
E8082	400	Invalid split funding instructions	Empty recipient value in split funding instructions	Review the instructions provided for the action, and ensure that all the recipients for split are provided
E8083	400	Invalid split funding instructions	Provided recipient value in split funding instructions is outside of scope of the origination	Review the instructions provided for the action, and ensure that all the recipients for split are in the same level under the same parent organization
E8084	400	Invalid split funding instructions	Invalid amount in split instruction. The amount cannot be negative or zero.	Review the instructions provided for the action, and review amounts and recipients
E8086	400	Invalid split funding instructions	Provided recipient does not have a configured funding account	Review the recipient information. If necessary, contact the support team to configure the funding account for the recipient
E8088	400	Invalid split funding instructions	Origination for split need to be included in split instructions	Review the instructions provided for the action, and review the recipients
E8099	400	Invalid split funding instructions	Origination entrypoint does not have split funding enabled	Contact support to have split funding enabled

E9000-E9999

System-level errors, unknown conditions, and fallback responses for unexpected scenarios.

Code	HTTP Status Code	Reason	Description	Resolution
E9001	400	Invalid Authorization Token	The token does not have access to entity in scope or the token is not allowed to execute requested action	Use an authorized API token for the request. Review the reference to the entity in request parameter (entry name, paypoint id, organization id, signing) for correctness and ensure it is within the token scope
E9002	400	Unauthorized Token	User or Customer entity does not have permission to the requested action	Verify permissions assigned to User or Customer entity
E9003	400	Unauthorized Token	Token type or origin IP address are not accepted by action	Use the correct API token for action. The token type is different for web components than for direct API access. Verify whether your token has IP restriction
E9004	400	Inactive Paypoint	The paypoint is not active in the platform	Contact support to clarify the status of your paypoint account
E9005	400	Blocked by Fraud Control	The card or the origin IP of request is blacklisted in the platform	Contact support to clarify the status of your paypoint account
E9006	400	Unauthorized Token	Expected validation code is missing or invalid	Use the correct validation code for action. Verify value provided in captcha for payment pages.
E9007	400	Invalid entryId	The provided entry id is invalid	Review the data provided in request and try again
E9008	400	Invalid orgId parameter	The organization ID parameter provided is invalid or does not exist	Provide a valid orgId parameter
E9009	400	Invalid entrypoint name	The entrypoint name provided does not exist in the system	Review the entrypoint name in the request and try again
E9010	400	Invalid Fraud History Id	The fraud history ID provided is invalid or does not exist	Provide a valid Id parameter
E9011	400	Unauthorized Token	Domain origin not in scope	Review your domain restrictions to see the the domain originating the request is included in scope
E9013	400	Invalid Tier Id	The tier ID provided is invalid or does not exist	Provide a valid Id parameter
E9014	400	Invalid Tier Name	The tier name provided is invalid or does not exist	Provide a valid name parameter
E9031	400	Expired Request Token	Token has expired or no longer exists.	A new token must be generated; any token chain operations must be restarted.
E9051	400	Fraud alert	A velocity fraud alert condition was triggered	Verify your request and fraud limits with customer services
E9052	400	Export action	Error in the download file format	Verify that the format of the download file is the correct one for the action
E9060	400	Timeout	Timeout threshold with processor exceeded. Transaction may have been successful on processor. Verify transaction status before retry.	Verify the transaction result before retry. Contact support if you need help.
E9999	500	Unexpected error	The transaction or action encountered an unexpected response from backend processor or other services.	Try again later. If the issue persists, contact Customer Support.