Terminal API refusal reasons

When your payment request is declined, we include an error category in the ErrorCondition field of the payment response, and a further explanation in the refusalReason inside the Response.AdditionalResponse.

The refusal reasons we provide are based on the raw responses we receive from acquirers and issuers.

Refusal reasons by error condition

The following tables show the most common refusal reasons for point-of-sale payment transactions, grouped by the ErrorCondition in the PaymentResponse.Response:

• Aborted
• Busy
• Cancel
• DeviceOut
• InvalidCard
• NotAllowed
• Refusal
• UnreachableHost
• WrongPIN

The tables show the refusalReason and message you receive in the PaymentResponse.Response.AdditionalResponse.

Contact the Adyen Support Team if you need more information about a refusal reason.

ErrorCondition: Aborted

ErrorCondition	refusalReason	message	Description	Retry?
Aborted	Contactless fallback	CONTACTLESS_FALLBACK	The shopper abandoned the transaction after they attempted a contactless payment and were prompted to try a different card entry method (PIN or swipe).

ErrorCondition: Busy

ErrorCondition	serviceId	message	Description	Retry?
Busy	1234567890	Forbidden Request, Service Dialogue PaymentRequest is in Progress	Another transaction, with the provided serviceId, is still in progress. Using the serviceId you can make an AbortRequest to cancel the in-progress transaction.
Busy		ADMIN_MENU
Busy		(all other messages)

ErrorCondition: Cancel

ErrorCondition	refusalReason	message	Description	Retry?
Cancel	Approved	APPROVED	Transaction was canceled after being initially approved by the issuer.
Cancel	Cancelled	CANCELLED	Transaction was canceled.
Cancel	card removed	CANCELLED	Shopper's card was removed from the terminal before the transaction finished.
Cancel	Card removed during application selection	CANCELLED	Shopper's card was removed from the terminal before the transaction finished.
Cancel	Card removed during transaction	CANCELLED	Shopper's card was removed from the terminal before the transaction finished.
Cancel	Card removed during transaction (first ac)	CANCELLED	Shopper's card was removed from the terminal before the transaction finished.
Cancel	Card removed during transaction (verify cardholder)	CANCELLED	Shopper's card was removed from the terminal before the transaction finished.
Cancel	Card removed while processing online	CANCELLED	Shopper's card was removed from the terminal before the transaction finished.
Cancel	Card swapped mid-transaction	CANCELLED	Card removed from the terminal and swapped for another card during the transaction.
Cancel	chip cancelled tx (2nd ac returned AAC)	CANCELLED	The Application Authentication Cryptogram (AAC) on the card declined the transaction offline.
Cancel	Merchant cancelled	CANCELLED	The merchant canceled the transaction before the transaction finished.
Cancel	Merchant cancelled after contactless fallback	CONTACTLESS_FALLBACK	The merchant canceled the transaction before the transaction finished.
Cancel	Merchant cancelled during online authorization	CANCELLED	The merchant canceled the transaction before the transaction finished.
Cancel	Merchant cancelled during validate call	CANCELLED	The merchant canceled the transaction before the transaction finished.
Cancel	Merchant cancelled tx	CANCELLED	The merchant canceled the transaction before the transaction finished.
Cancel	Shopper cancelled	CANCELLED	The shopper canceled the transaction before it finished.
Cancel	Shopper Cancelled	SHOPPER_CANCELLED	The shopper canceled the transaction before completing it.
Cancel	Shopper cancelled after contactless fallback	CONTACTLESS_FALLBACK	The shopper canceled the transaction before it finished.
Cancel	Shopper cancelled during application selection	CANCELLED	The shopper canceled the transaction before it finished.
Cancel	Shopper cancelled during dcc selection	CANCELLED	The shopper canceled the transaction before it finished.
Cancel	Shopper cancelled during online authorization	CANCELLED	The shopper canceled the transaction before it finished.
Cancel	Shopper cancelled during validate call	CANCELLED	The shopper canceled the transaction before it finished.
Cancel	Shopper cancelled Manual Key Entry	CANCELLED	The shopper canceled the transaction before it finished.
Cancel	Shopper cancelled pin entry	CANCELLED	The shopper canceled the transaction before it finished.
Cancel	Shopper cancelled tx	CANCELLED	The shopper canceled the transaction before it finished.
Cancel	Shopper did not present a card	CANCELLED	The shopper did not present a card, so the transaction was canceled.

ErrorCondition: DeviceOut

ErrorCondition	refusalReason	message	Description	Retry?
DeviceOut	Crash recovery	POI_is_Temporary_Unavailable_Terminal_not_ready	Terminal stopped responding for an unknown reason, causing the transaction to fail.
DeviceOut	Low battery	Failed starting transaction: Low Battery	Battery charge level dropped below the minimum battery level configured in your Customer Area. Connect the terminal to a power source and retry, or retry using a different terminal.

ErrorCondition: InvalidCard

ErrorCondition	refusalReason	message	Description	Retry?
InvalidCard	Card data authentication failed	DECLINED	Failed to obtain the relevant card data. The shopper should use an alternate payment method.
InvalidCard	No checking account available on Card	NO_CHECKING_ACCOUNT	No checking account available on the card.
InvalidCard	No savings account available on Card	NO_SAVINGS_ACCOUNT	No savings account available on the card.

ErrorCondition: NotAllowed

ErrorCondition	refusalReason	message	Description	Retry?
NotAllowed	Blocked Card	BLOCK_CARD	The selected card application is blocked. It cannot be used for the transaction.
NotAllowed	Invalid Amount	INVALID_AMOUNT	An amount mismatch occurred during the transaction.
NotAllowed	Payment details are not supported	ERROR	The used payment method is not supported. Contact our Support Team.

ErrorCondition: Refusal

ErrorCondition	refusalReason	message	Description	Retry?
Refusal	Acquirer Error	ERROR	The transaction did not go through due to an error that occurred on the acquirer's end.
Refusal	AID banned	ERROR	The application is temporarily in our AID penalty box until its payments network can be reached again.
Refusal	Always refused	DECLINED	Gift card refused.
Refusal	Amount too low to be accepted by Card Network	DECLINED	The card network doesn't accept the entered amount because it is too low.
Refusal	Card blocked	BLOCK_CARD	The card has been blocked and cannot be used. The shopper should contact their bank.
Refusal	Card requires online pin	PIN_REQUIRED	Card requires online pin
Refusal	CVC Declined	CVC_DECLINED	The specified CVC (card security code) is invalid.
Refusal	declined	DECLINED	Transaction has been declined for a unspecified reason.
Refusal	Declined Non Generic	DECLINED	This response represents all response codes that cannot be reliably mapped. This makes it easier to differentiate between generic declines (for example, Mastercard "05: Do not honor" response) and more specific ones.
Refusal	Expired Card	CARD_EXPIRED	The card has expired. It cannot be used for the transaction.
Refusal	Issuer Suspected Fraud	ISSUER_SUSPECTED_FRAUD	Issuer reported the transaction as suspected fraud.
Refusal	Mobile PIN required	MOBILE_PIN_REQUIRED	Mostly for NFC wallet transactions when extra authentication is needed on the phone to complete the transaction (like enter PIN, unlock phone, or fingerprint).
Refusal	Not enough balance	NOT_ENOUGH_BALANCE	The card does not have enough money to cover the payable amount.
Refusal	Not Submitted	NOT_SUBMITTED	The transaction was not submitted correctly for processing.
Refusal	Not supported	NOT_SUPPORTED	The shopper's bank doesn't support or doesn't allow this type of transaction.
Refusal	Pin tries exceeded	PIN_TRIES_EXCEEDED	The shopper specified an incorrect PIN more that three times in a row. This error also occurs for example with a Bancontact/Mister Cash (BCMC) payment where the shopper exceeded the maximum time between transactions without using a PIN.
Refusal	Pin validation not possible	PIN_VALIDATION_NOT_POSSIBLE	It is not possible to validate the specified PIN number.
Refusal	Refused	DECLINED	The transaction was refused. This response is also returned when the transaction is declined based on the fraud rules and checks on the EMV chip.
Refusal	Restricted Card	RESTRICTED_CARD	Several 'Decline' codes are mapped to this refusal reason response value. For example: 62: Restricted Card 62: Invalid card in this country/region
Refusal	Timeout waiting for card after contactless fallback	CONTACTLESS_FALLBACK	Transaction timed out. Shopper should retry or use an alternate payment method.
Refusal	Transaction Not Permitted	TRANSACTION_NOT_PERMITTED	Several 'Decline' codes are mapped to this refusal reason response value. For example: 57: Transaction not permitted to issuer/cardholder 57: Transaction not allowed for this merchant 58: Transaction not permitted to acquirer/terminal
Refusal	Withdrawal count exceeded	WITHDRAWAL_COUNT_EXCEEDED	The number of withdrawals permitted for the shopper's card was exceeded. Also used for contactless transactions (Contactless Withdrawal Count Exceeded).
Refusal	Withdrawal amount exceeded	WITHDRAWAL_AMOUNT_EXCEEDED	The withdrawal amount permitted for the shopper's card was exceeded. Also used for contactless transactions (Contactless Withdrawal Amount Exceeded).

ErrorCondition: UnreachableHost

ErrorCondition	refusalReason	message	Description	Retry?
UnreachableHost	failed to go online	DECLINED	Unable to go online.
UnreachableHost	Issuer Unavailable	ISSUER_UNAVAILABLE	It is not possible to contact the shopper's bank to authorize the transaction.

ErrorCondition: WrongPIN

ErrorCondition	refusalReason	message	Description	Retry?
WrongPIN	Invalid Pin	INVALID_PIN	The specified PIN number is incorrect or invalid.

See also