A transaction’s error_code value can be null (for successful transactions) or one of the following for failed and declined transactions.

Core failures

Our system can decline or fail a transaction, in contrast to a connector or payment service rejecting the transaction. When this happens, one of the following error codes can be set as the error_code value.

error_codeDescription
incomplete_buyer_approvalOccurs when a buyer approval redirection times out, this normally means the buyer has closed the redirect page/popup without authenticating. This error code can take up to 10 minutes from the time the buyer closes the redirect page / popup to appear
failed_buyer_approvalOccurs when a buyer fails to authenticate through 3DS. This transaction can be attempted again
missing_redirect_urlOccurs when a transaction requires a redirect but was created without payment_method.redirect_url. Add the payment_method.redirect_url and retry
flow_declineOccurs when a transaction is declined by a Flow rule. This could be due to fraud or an alternate system configuration declining the transaction
all_attempts_skippedOccurs when a transaction fails because no outcome in the matched Flow rule can be used to process the transaction reliably. To avoid this, make sure to define there is a default suitable outcome for each possible transaction scenario

Connector declines

When a payment service rejects or fails the transaction the following error_code values can be set based on the response received from the payment service. The original values received from the payment service will be available in the raw_response_* fields of a transaction record.

The amount column in the tables below specifies the amount that can be used to simulate the error_code when using the Card simulator connector.

error_codeDescriptionSimulator amountRetriable?
canceled_payment_methodThe payment method reported lost, stolen, or otherwise canceled, request another payment method200001
expired_authorizationThe authorization has expired, create a new authorization and use the new one200004
expired_payment_methodThe payment method has expired, use another payment method200005
incorrect_billing_addressThe billing address does not match the account. Prompt the customer to correct the billing address and retry200006
incorrect_countryThe country code was rejected by the service or issuer, request another payment method200007Yes
incorrect_currencyThe currency code was rejected by the service or issuer, request another payment method200008Yes
incorrect_cvvThe CVV was incorrect. Prompt the customer to correct the CVV and retry200009
incorrect_expiry_dateThe expiry date is incorrect or the payment method has expired. Prompt the customer to correct the expiry date and retry or request another payment method200010
insufficient_fundsThe amount exceeds the available balance on the payment method. Prompt the customer to check their balance200011
issuer_declineThe payment was declined by the issuer. Prompt the customer to check with their issuer200012Yes
other_declineThe transaction failed for an unknown reason, may succeed if retried200013Yes
refused_transactionThe transaction was refused due to legal reasons (e.g. watch list, embargo, sanctions), request another payment method200015
service_declineThe payment was declined by service, request another payment method200016Yes
suspected_fraudThe service flagged the transaction as suspected fraud. Prompt the customer to check with their issuer200017

Connector failures

error_codeDescriptionSimulator amountRetriable?
cancelled_buyer_approvalThe transaction was canceled by the customer200021
disputed_transactionThe transaction cannot be refunded as a chargeback has been initiated200002
duplicate_transactionThe transaction is a duplicate of a previous transaction. Check to ensure the transaction was submitted only once200003
insufficient_service_permissionsThe service credentials lack permission to perform the requested action, check relevant configuration300001Yes
invalid_amountThe amount not supported by service, check relevant configuration300002Yes
invalid_payment_methodThe payment method is not supported by the service (e.g. card scheme is not supported), request another payment method300003Yes
invalid_service_configurationThe service is incorrectly configured, check relevant configuration300004Yes
invalid_service_credentialsThe service credentials are not valid, check relevant configuration300005
invalid_service_responseThe service response could not be parsed , check relevant configuration300006Yes
invalid_tax_identifierThe tax identifier is invalid (e.g. GB VAT number is in an invalid format, or is of the wrong kind), correct identifier300007
missing_billing_addressThe billing address is required. Add billing address and retry300008Yes
missing_cvvThe CVV is required. Add CVV and retry300009Yes
missing_shipping_addressThe shipping address is required. Add shipping address and retry300010Yes
missing_tax_identifierThe tax identifier is required. Add tax identifier and retry300011Yes
refund_period_expiredThe refund can not be performed due to the refund period expiring, credit the customer in another way300012
requires_buyer_authenticationAdditional credentials were requested by the issuer, for example, the security code (CVV). Add these credentials and retry200014
service_errorThe service reported an internal server error or upstream processing error, check relevant configuration300013Yes
service_network_errorThe service was unreachable or experienced a timeout, wait before retrying300014Yes
service_rate_limitThe service responded with a rate-limiting error, wait before retrying300015Yes
internal_errorAn internal error has occurred, check relevant configuration400001
invalid_billing_addressThe billing address is invalid. Correct billing address and retry400002
invalid_operationThe service/method is not implemented, and operation is not supported for this request, check relevant configuration400003Yes
invalid_request_parametersThe one or more request parameters are invalid, check payload and retry400004
invalid_service_requestThe service request could not be parsed, check payload and retry400005Yes
invalid_shipping_addressThe shipping address is invalid. Correct shipping address and retry400006
service_resource_conflictThe service could not create a resource due to a conflict, check relevant configuration400007Yes
unavailable_payment_methodThe payment method is temporarily frozen or otherwise unavailable. Prompt the customer to check with their issuer or request another payment method200018
unexpected_stateThe service is configured in an unexpected state, check relevant configuration400008
unknown_errorAn unknown error occurred, check relevant configuration400009
unknown_payment_methodThe account is unknown, request another payment method200019Yes
unknown_service_resourceThe resource could not be found by the service, check relevant configuration400010Yes
unrecognised_countryThe country is not valid on gravy, correct country and retry400013
unrecognised_currencyThe currency is not valid on gravy, correct currency and retry400014
unrecognised_payment_methodThe payment method is not valid on gravy, request another payment method400015
unrecognised_schemeThe payment scheme is not valid on gravy, request another payment method400016
unsupported_countryThe country is not supported by the service, correct country and retry400011Yes
unsupported_currencyThe currency is not supported by the service, correct currency and retry400012Yes
unsupported_payment_methodThe payment method is not supported by the service (e.g. card scheme is not supported), request another payment method200021
unsupported_schemeThe payment scheme is not supported by the service, request another payment method400017
unsupported_transactionThe payment method does not support this type of purchase (e.g. gambling is restricted), request another payment method200020