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Raw acquirer responses

Learn the meaning of raw acquirer responses.

A successful payment request (HTTP status code 200/OK) doesn't automatically mean the payment was successful. The transaction can be refused or cancelled for some reason. When this happens, the response includes a resultCode of Refused or Cancelled with a refusalReason field explaining why the transaction didn't succeed. The refusal reason is primarily based on the authorisation response code we receive from the issuer or card scheme, known as 'raw acquirer response'.

In your Customer Area, on the Payment Details page, the Acquirer Response field shows the refusal reason or the actual raw acquirer response.

Do not expose the details of specific refusal reasons to shoppers. This is to prevent the malicious use of such details.

There are many reasons why card schemes refuse a transaction. The corresponding authorization responses we receive are not the same for all schemes, and change from time to time. On this page, we describe the most common raw acquirer responses related to refused or cancelled transactions.

Visa and Mastercard raw responses

These are the most common raw responses from Visa and Mastercard for refused or cancelled transactions. The response code returns with or without a leading zero.

Last journal type refusalReasonRaw Description
Cancelled 00: Approved or completed successfully The transaction was cancelled after being initially approved by the issuer. This can be due to various reasons, for example, if the shopper returns goods after purchase.
Refused 01: Refer to card issuer The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method.
Refused 03: Invalid merchant The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method.
Refused 04: Capture card / Pick-up The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card. This reason is used in an E-Commerce environment although it originates from an in-person payments environment.
Refused 05: Do not honor This is a generic refusal that has several possible causes. The shopper should contact their issuing bank for clarification.
Error 06: Error Payment could not be authorised and resulted in an error. The shopper can try again or use another payment method.
Refused 07: Pickup card, special condition The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card.
Cancelled 10: Partial approval The transaction was cancelled. Some card issuers support partial-approval authorization. This approves a part of the requested transaction, leaving the remainder to be paid with another form of tender.
Refused 12: Invalid transaction The card issuer does not allow this type of transaction on this card/account. For example, the card is a fleet card for which this type of transaction is not permitted.
Refused 13: Invalid amount The card issuer has declined the transaction because of an invalid format or field. This response usually occurs with Cirrus or Maestro Debit and Prepaid Cards or cards that are not allowed to do online purchases. The shopper should try again or use another payment method.
Refused 14: Invalid card number The card issuer is unable to validate the card/account number.
Refused 15: Invalid issuer The card number is not within a card number range supported by the scheme.
Refused 19: Re-enter transaction Applies for Visa. The transaction cannot be processed temporarily.
Error 30: Format error The card issuer does not recognize the transaction details being entered. This is due to a format error. The shopper should check the transaction information and try again.
Refused 41: Lost card The card was reported as lost. Validate the shopper's authenticity and refer them to their bank.
Refused 43: Stolen card The card was reported as stolen. Validate the shopper's authenticity and refer them to their bank.
Refused 46: Closed account Applies for Visa. The account is closed. Re-validate the account number for accuracy and do not reattempt with the same PAN or token.
Refused 51: Insufficient funds/over credit limit / Not sufficient funds Insufficient funds in the cardholder's account. The shopper can try again after adding funds to their bank account, or use another payment method.
Refused 54: Expired card The card expiration date is in the past. The shopper should correct the date or use another payment method.
Refused 55: Invalid PIN The shopper has entered an incorrect PIN. The shopper should re-enter their PIN or use another payment method.
Refused 57: Transaction not permitted to issuer/cardholder The card issuer does not permit the transaction on this card/account. The shopper can use another payment method. For activation or loading of prepaid cards, the Merchant, acquirer BIN, and issuer BIN are not all domestic. An issuer's processing center is not certified to receive transaction-specific data in TLV format (field 104 in request message).
Refused 58: Transaction not permitted to acquirer/terminal Card issuer does not permit the transaction on this card/account. Shopper can use another payment method or contact their bank.
Refused 59: Suspected fraud The transaction is refused because the card issuer suspects this payment to be fraudulent.
Refused 61: Exceeds withdrawal amount limit(s) / Withdrawal amount limit exceeded The shopper has exceeded their card limit. The shopper can try again after resolving the issue with their bank, or use another payment method.
Refused 62: Restricted card The card issuer has restricted where the card can be used. For example, because of embargoes.
Refused 63: Security violation The card issuer indicated a security issue with this card. The shopper can use another payment method. Alternatively, the shopper can try again after they resolved the issue with their bank.
Refused 65: Exceeds withdrawal count limit / Withdrawal count limit exceeded The shopper has exceeded their card usage frequency limit. The shopper can use another payment method or try again with the same card after the shopper took care of the card limit issue.
Refused 6P: Customer ID verification failed Applies for Visa. Incorrect account verification (for example driving license number) related to Visa Direct. Not to be confused for cardholder verification method refusals such as CVV, for example.
Refused 65: Authentication required Applies for Mastercard. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, try again with 3D Secure. This is also referred to as a "Soft Decline".
Refused 70: Contact Card Issuer Applies for Mastercard. The card issuer indicated an issue with this card and requests contact from the shopper. The shopper can use another payment method. Alternatively the shopper can try again after they resolved the issue with their bank.
Refused 70: PIN data required Applies for Visa. The card issuer requests to use Secure Customer Authentication. Reattempt transaction with PIN. (European Region Only)
Refused 75: Allowable number of PIN tries exceeded The shopper has entered an incorrect PIN more times than is allowed by the issuing bank. The shopper should try again or use another payment method.
Refused 78: Invalid/nonexistent account specified (general) The transaction is from a new cardholder, and the card has not been properly unblocked.
Refused 79: Life Cycle Applies for Mastercard. The transaction is refused due to invalid card data. View the Merchant Advice Code for follow-up action.
Refused 80: Credit issuer unavailable The issuing bank cannot be contacted. The shopper should try again or use another payment method.
Refused 82: Policy Applies for Mastercard. The transaction is refused due to a policy reason. View the Merchant Advice Code for follow-up action.
Refused 82: Negative online CAM, dCVV, iCVV, CVV, or CAVV results or Offline PIN authentication interrupted Applies for Visa. The cardholder verification method failed for CAM, dCVV, iCVV, CVV or a service code for card present transactions.
Refused 83: Fraud / Security Applies for Mastercard. The transaction is refused because the card issuer suspects this payment to be fraudulent. View the Merchant Advice Code for follow-up action.
Authorised 85: No reason to decline a request for account number verification, address verification, CVV2 verification, or a credit voucher or merchandise return Zero-value auth request authorised.
Authorised 85: Not declined (Valid for all zero amount transactions) Zero-value auth request authorised.
Refused 86: Cannot verify PIN Applies for Visa. The PIN cannot be validated. If applicable, the transaction can be reattempted as a non-PIN transaction.
Refused 91: Authorization Platform or issuer system inoperative / Issuer not available The issuing bank cannot be contacted. The shopper should try again or use another payment method.
Error 91: Issuer unavailable or switch inoperative The issuer or issuer processor cannot authorize, for example because of downtime.
Refused 92: Destination cannot be found for routing / Unable to route transaction The shopper is using a test card number on live. The shopper should use another payment method.
Refused 93: Transaction cannot be completed; violation of law The issuing bank will not allow this transaction. The shopper should use another payment method.
Refused 96: System malfunction The issuing bank cannot be contacted. The shopper should try again or use another payment method.
Refused 1A: Authentication Required Applies for Visa. Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, try again with 3D Secure. This is also referred to as a "Soft Decline".
Refused R0: Stop payment order Applies for Visa. The cardholder requested to stop a specific, single recurring payment transaction. Contact the shopper regarding cancellation of this transaction.
Refused R1: Revocation of authorisation order Applies for Visa. The cardholder requested to stop all recurring payment transactions. Contact the shopper regarding cancellation of all transactions.
Refused R3: Revocation of all authorisation orders Applies for Visa. All recurring payments have been cancelled for the card number in the request. Contact the shopper regarding cancellation of all transactions.
Refused Z1: Offline-declined Applies for Visa. Only used in non-cardholder requests such as advice.
Refused Z3: Unable to go online; offline-declined Applies for Visa. Only used in non-cardholder requests such as advice.
Error N3: Cash service not available Reserved for private use or Maximum online refund reached
Error N4: Cash request exceeds issuer limit Reserved for private use or Maximum offline refund reached
Declined N7: Decline for CVV2 failure Reserved for private use or Customer selected negative file reason

Example

This example indicates refusalReasonRaw ("51 : Insufficient funds\/over credit limit"), which is received from the acquirer and mapped by Adyen to a refusalReason of "Not enough balance" and a resultCode of "Refused".

Adyen for Platforms raw responses

Besides the issuer or card scheme, Adyen can also refuse a transaction if it fails a validation check in your balance platform.

Last journal type RefusalReasonRaw Description
Refused 010: Insufficient funds in the source balance account The transaction was refused by Adyen because there are insufficient funds in the balance account.
Refused 100 : Account holder misses required capabilities The transaction was refused by Adyen because the account holder does not have the required capabilities.
Refused 101 : Account holder is not active The transaction was refused by Adyen because the account holder is not in active status.
Refused 111 : Balance account is not active The transaction was refused by Adyen because the balance account is not in active status.
Refused 121: Balance platform is not active The transaction was refused by Adyen because your balance platform is not in Active status.
Error 999: Unknown error The transaction was refused by Adyen for unknown reasons.

Afterpay raw responses

Latest Journal Entry Raw Acquirer Response Description
Refused DECLINED : Payment rejected (402) Afterpay declined the payment.
Error No response from ACM Afterpay did not respond within 30 seconds which resulted in a timeout.
Error 500: Internal Error AfterPay had an internal error. The shopper needs to try again later.
Refused INVALID_AMOUNT The transaction amount is above or below the limit for Afterpay.

Alipay raw responses

Last journal type Response Description
sentForSettle/SettledScheduled/settledExternally trade_status=TRADE_FINISHED The payment was successfully completed and you can expect to receive the funds.
Refused Field 'currency' is not valid. Reason: The provided currency is not supported. The currency sent in the request does not match the country code. For example, sending EUR for Norway; the currency should be NOK.

See supported currencies at adyen.com.
Refused Payment details are not supported for this country/ MCC combination The acquirer's risk rules blocked this transaction. There is usually a non-compliance issue in the payment details.
Refused 422: Invalid shopper interaction The payment request includes the wrong shopperInteraction. For example, an Ecommerce merchant account sent a request with shopperInteraction: POS.

Contact our Support Team.
Refused trade_status=WAIT_BUYER_PAY The shopper did not authorise the payment. The authorised funds were refunded and the offer was closed because the Adyen terminal did not receive the authorisation notification.
Refused Shopper cancelled during PIN entry The shopper did not enter their PIN.
Refused Merchant cancelled For Alipay, this refusal only occurs for POS transactions. Usually, the merchant cancels the transaction before it completes, or refunds the transaction before it is captured.
Refused (NOT_SUPPORT_PAYMENT_INST) The shopper is using a version of Alipay Wallet that is not supported. Ensure that payment_inst is set to Alipay_HK, and prompt the shopper to use the correct wallet.
Refused TRADE_NOT_EXIST For online transactions, the shopper did not open the Alipay app from the payment URL, or did not log in to the Alipay website.

For POS transactions, this refusal occurs when the merchant's MA Registration Number (RegNum) is missing. Contact our Support Team.
Error SYSTEM_ERROR : Alipay system is currently not available, please try again later. The Alipay system is currently not available. Ask the shopper to try again later.
Error ILLEGAL_SIGN There is a technical issue with your configuration. Contact Alipay Support.
Error ACCESS_FORBIDDEN There is a technical issue with your configuration. Contact our Support Team.
RefundFailed MERCHANT_BALANCE_NOT_ENOUGH There is a technical issue with the refund. Try again between 21:00–23:00 SGT.
RefundFailed PURCHASE_TRADE_NOT_EXIST The transaction you’re attempting to refund does not exist, or does not include a PSP reference. Check the request parameters to ensure you’re sending a referenced refund.
RefundFailed ILLEGAL_ARGUMENT The API request includes an incorrect parameter. Check your request parameters according to Alipay's API specification.
RefundFailed RETURN_AMOUNT_EXCEED The total refund amount exceeds the transaction amount. Check that the amount is correct.
RefundFailed ISSUER_OR_SWITCH_INOPERATIVE The issuer or issuer processor temporarily cannot authorize, usually because of downtime. Try again later.
RefundFailed 40 : Requested function not supported The card issuer declined the transaction. This is sometimes caused by the issuer placing a hold on the shopper's card.

American Express raw responses

These are the most common raw responses from American Express for refused or cancelled transactions.

Last journal type refusalReasonRaw Description
Cancelled 000: Approved The transaction was cancelled after being initially approved by the issuer. This can be due to various reasons, for example, if the shopper returns goods after purchase.
Cancelled 001: Approve with ID The transaction was cancelled after the issuer requested that identification be established through telephone contact between the acquiring center's authoriser and the merchant.
Cancelled 002: Prepaid Card Partial Authorization Transaction was cancelled. Some card issuers support partial-approval authorization. This approves a part of the requested transaction, leaving the remainder to be paid with another form of tender.
Refused 100: Deny This is a generic refusal that can have several possible reasons. Shopper should contact their issuing bank for clarification.
Refused 101: Expired Card / Invalid Expiration Date The card expiration date is in the past. The shopper should correct the date or use another payment method.
Refused 106: PIN tries exceeded The shopper has entered an incorrect PIN more times than is allowed by the issuing bank. The shopper should try again or use another payment method.
Refused 109: Invalid merchant The transaction was refused by the card issuer. The shopper should contact their bank for clarification. The shopper can try again after resolving the issue with their bank, or use another payment method.
Refused 110: Invalid amount The transaction amount was specified in an invalid format. For example, an invalid character such as a dollar sign or a space was used. The shopper should correct or use another payment method.
Refused 111: Invalid account The card issuer is unable to validate the card/account number, possibly because an invalid character was used.
Refused 115: Requested function not supported The card issuer does not allow this type of transaction on this card/account.
Refused 117: Incorrect PIN The shopper entered an invalid PIN. The shopper should try again or use another payment method.
Refused 119: Transaction not permitted to Cardmember The card issuer doesn't permit the transaction on this card/account. The shopper can use another payment method.
Refused 122: Invalid Keyed Printed Card Security Code (PCSC) The card issuer indicated a security issue with this card. The shopper can use another payment method. Alternatively, the shopper can try again after they resolved the issue with their bank.
Refused 125: Invalid Effective Date on Card The card expiration date provided is not a valid date format. The shopper should correct or use another payment method.
Refused 130: Additional customer identification required Authentication is required for the transaction. If the transaction is in scope of PSD2 and did not go through 3D Secure, try again with 3D Secure. This is also referred to as a "Soft Decline".
Refused 181: Format error The card issuer does not recognize the transaction details being entered. This is due to a format error. The shopper should check the transaction information and try again.
Refused 183: Invalid Currency Code The currency code provided doesn't comply with standards.
Refused 187: Deny New Card Issued The card issuer supplied the cardholder with a new card. The shopper should try again with the new card, or use another payment method
Refused 189: Deny Canceled or Closed Card Acceptor The merchant has stopped operations or is no longer accepting cards from this card scheme.
Refused 200: Deny pick up Card The card issuer requests to retain the card. This can be due to a suspected counterfeit or stolen card.
Refused 900: Advice accepted The ExpressPay issuer is unable to respond to an ATC Synchronization Authorization Request.
Refused 911: Card Issuer timed out The issuing bank cannot be contacted. The shopper should try again or use another payment method.
Refused 912: Host unavailable The issuing bank cannot be contacted. The shopper should try again or use another payment method.

BLIK raw responses

Last journal type Response Description
Refused ER_WRONG_TICKET The BLIK code did not match any code generated within the last 180 seconds. Ask the shopper to try again and to check that they are using a valid code.
Refused ER_TIC_USED The BLIK code was already used within the last 180 seconds.
Refused ER_TIC_EXPIRED The BLIK code has expired.
Refused TIMEOUT Timeout in communication with the mobile banking app or the issuer’s system.
Refused USER_TIMEOUT The shopper did not confirm the transaction in the mobile banking app within the time limit.
Refused LIMIT_EXCEEDED The shopper’s transaction limit is exceeded. The banking mobile app should direct the shopper to change the limit.
Refused USER_DECLINED The shopper declined the transaction in the mobile app.
Refused AM_TIMEOUT Timeout in communication with the mobile app.
Refused INSUFFICIENT_FUNDS Insufficient funds in the shopper’s bank account. The mobile app should display the reason and direct the shopper to change the limit.
Error NO_RESPONSE_WITHIN_TIMEOUT Adyen did not receive a response from BLIK within the time limit.

Grabpay raw responses

Last journal type Response Description
Canceled consent_required : Shopper Canceled the payment before completion The shopper’s wallet only contains SGD currency, but is trying to pay in MYR. Grabpay cancels the transaction and prompts the shopper to top up their wallet.
Refused insufficient_balance : Shopper insufficient balance in wallet The shopper did not have the funds to cover this transaction.

Ask the shopper to top up their wallet or try another payment method.
Refused confirm_failed : Customer Limits Exceeded/KYC check failed The shopper has exceeded the balance limits of their wallet. Grabpay imposes lower limits on "basic users" who have not completed the KYC of their wallet.
Refused server_error : GrabPay Server Error Generic error returned by GrabPay during the redirect

If you do not have a direct contract with Adyen, contact GrabPay directly. If you have a direct contract with Adyen, contact our Support Team.
Error "{""devMessage"":""Bad Input."",""arg"":""Missing value for item0Price\n""}" You did not specify the item price for the invoice line item. The value for amountIncludingTax must be greater than 0.
Refused Customer has not completed KYC of wallet The shopper's GrabPay wallet was not activated (not KYC-ed or no has balance), or the shopper attempted to bind their card or bank account to their wallet but was unsuccessful.
Refused invalid_request : GrabPay Server Error Adyen couldn’t establish a connection to GrabPay to either send the request or receive a response.

Retry the payment request. If the issue continues, contact our Support Team.
Error CONVERTER_RESPONSE Adyen couldn’t interpret the acquirer’s response.

Retry the payment request. If the issue continues, contact our Support Team.
Error NO_RESPONSE_WITHIN_TIMEOUT The acquirer did not return a response within the 30 seconds time limit.

Retry the payment request. If the issue continues, contact our Support Team.
Refused Customer has not completed initial top up of wallet There are no funds in the shopper's wallet. Ask the shopper to top up their wallet.
Refused kyc_compliance_decline : kyc_compliance_decline The shopper hasn’t completed the KYC verification process. Ask the shopper to complete the KYC process to activate their wallet, and to try the payment again.
RefundFailed merchant_insufficient_balance Your account balance is insufficient. This can happen if your funds have just been settled from GrabPay to Adyen. Processed additional volume with GrabPay and set up a reserve with Grabpay.
RefundFailed pending_approval The Grabpay system is processing modifications on the transaction. Wait for these modifications to complete, then try again.

Japanese issuer error codes

Error codes from Japanese issuers often provide more insight than acquirer responses. When shoppers in Japan encounter a payment error, it's common for them to call their issuer to retry the transaction. When the issuer provides an error, the payments response contains the following object:

We recommend you display domesticShopperAdvice from the API response on your checkout page in Japan. This text is in the Shopper advice column below.

The following are the most frequent error codes from domestic issuers:

Refusal reason ( domesticRefusalReasonRaw) Shopper advice ( domesticShopperAdvice) Explanation
G12: Card cannot be used (when credit card cannot be used) カード発行会社にご連絡し、状況をご確認ください。もしくは別カードでお取引ください。 The shopper's credit card cannot be used. Ask them to contact their card issuer to get approval.
G30: Suspension (if authorization of transaction is suspended) カード発行会社にて取引の判定を保留しています。カード発行会社にご連絡ください。 The authorization for the transaction is suspended. Ask the shopper to inform their card issuer that they have received a G30 error.
G42: PIN error (incorrect PIN entered) PINが誤っています。再度入力ください。 The shopper entered their PIN incorrectly. Ask them to enter the correct PIN.
G44: Incorrect security code セキュリティコードをご確認ください。 The shopper entered their security code incorrectly. Ask them to enter the correct CVV.
G45: Security code not entered セキュリティコードをご入力ください。 The shopper did not enter their security code. Ask them to enter their CVV.
G54: Card used too many times (either in 1 day or when max amount is exceeded) カード発行会社にご連絡し、状況をご確認ください。もしくは別カードでお取引ください。 The card's usage limit has been exceeded. Ask the shopper to use a different card.
G55: Max amount exceeded (when single day max amount is exceeded) クレジットカードの場合はカード発行会社にご確認ください。デビットカード・プリペイドカードの場合は残高をご確認ください。 The card's credit limit has been exceeded. Ask the shopper to use a different card or contact their card issuer. If it's a debit card, ask them to check their account balance.
G56: Invalid card or stolen card (when invalid card are entered) カード発行会社にご確認ください。 The card is invalid or stolen. Ask the customer to contact their card issuer about their card status.
G60: Unusable card カード発行会社にご連絡し、ご確認ください。 The card is unusable. Ask the shopper to contact their card issuer about their card status.
G83: Expiry date error 正しい有効期限をご入力ください。 The shopper entered the card expiration date incorrectly, or the card is expired. Ask them to enter the correct expiration date, or to use an active card.

KCP raw responses

Last journal type Response Description
Refused CC10 : Insufficient funds in the account (CC10 : Etc error) The shopper doesn’t have enough funds to complete the transaction.

Ask the shopper to top up their account and try again.
Refused CC61 : The card holder has exceeded his or her credit limit (CC61 : Etc error) The shopper has exceeded their credit limit.

Ask the shopper to contact their bank if they want to increase the limit.
Refused CC45 : Suspended credit card. (CC45 : Etc error) The shopper’s card is suspended.

Ask the shopper to contact their bank for further information.
Refused CC63 : Password is not correct. (CC63 : Etc error) The shopper has entered an incorrect password.
Refused CC66 : Error in the social security number. (CC66 : Etc error) The shopper entered the wrong social security number.

Ask the shopper to try again with the correct number.
Refused CC04 : Lost or invalid card. (CC04 : Etc error) Ask the shopper to contact their bank.
Refused CC54 : The expiry date has passed, or the date does not match. (CC54 : Etc error) The shopper's card is expired.
Refused CC55 : Error in the expiry date of the credit card. (CC55 : Etc error) The shopper entered the wrong expiry date.

Ask the shopper to try again with the correct expiry date.
Refused CC69 : The transaction has been suspended since the wrong PIN is entered more than three (CC69 : Etc error) The shopper entered the wrong PIN more than three times.

Ask the shopper to contact their bank to resolve.
Refused CC01 : Please contact the card issuer for further assistance. (CC01 : Etc error) A technical issue occurred with the shopper’s card.

Ask the shopper to contact their bank.
Error CC03 : This error will occur when the status of the card used is invalid. (CC03 : Etc error) The shopper's card is not active.

Ask the shopper to confirm that they activated the card.
Refused 8130 : The merchant does not accept credit cards issued outside of Korea. (8130 : Etc error) KCP only processes Korean local cards.

Ask the shopper to try again using a card issued in Korea.

Klarna raw responses

These are the most common raw acquirer responses from Klarna for successful, refused, failed or cancelled transactions.

Last journal type Raw acquirer response Description
PENDING This is an expected response for Klarna Widget integrations.
Authorised ACCEPTED The payment was authorised.
Error Internal error Generic API response from Klarna. Check your Customer Area for additional information.
Error BAD_VALUE : locale The locale in your payment request is not compatible. Refer to our Klarna documentation for compatible combinations.
Error BAD_VALUE : order_lines[X].tax_rate Error message on the validation criteria for the tax calculation. Refer to our Klarna documentation for more information about the tax calculation.
Error BAD_VALUE : order_lines[X].total_tax_amount There is an error in the tax amounts for order line [X]. Tax amounts should add up over all order lines. Klarna validates this on their end. Refer to our Klarna documentation to see how to send in tax amounts in your payment request.
Error BAD_VALUE : order_tax_amount There is an error in the tax amounts. Tax amounts should add up over all order lines. Klarna validates this on their end. Refer to our Klarna documentation to see how to send in tax amounts in your payment request.
Error BAD_VALUE : purchase_currency The amount.currency in your payment request not formatted correctly or doesn't apply for a certain locale. Refer to our Klarna documentation for compatible combinations.
Error BAD_VALUE : billing_address.postal_code, shipping_address.postal_code or BAD_VALUE : shipping_address.postal_code, billing_address.postal_code The postal code in the billingAddress or the deliveryAddress in your payment request is not formatted correctly. Refer to our Klarna documentation to see how to format the shopper's address.
Error BAD_VALUE : attachment.attachment The data sent in the additionalData.openinvoicedata.merchantData in your payment request does not follow Klarna's requirements. Refer to Klarna's documentation to see how to format the merchant data.
Error BAD_VALUE : billing_address.phone, shipping_address.phone or BAD_VALUE : shipping_address.phone, billing_address.phone The telephoneNumber in your payment request is not formatted correctly. Refer to our Klarna documentation to see how to format the telephone number.
Error BAD_VALUE : billing_address.given_name, billing_address.family_name, or BAD_VALUE : shipping_address.given_name, shipping_address.family_name Your request contains invalid characters. Ensure you only submit UTF-8 encoded values when creating a Klarna payment.
Error Payment method not available (contact Klarna) The payment method defined in the payment request is not configured correctly on Klarna's end. Verify that you have enabled Klarna in your Customer Area.
Error Allowed category list is empty Edit your payment request. Your payment request does not follow the guidelines defined in our Klarna documentation. For example, make sure that the country code and billing address are for the same country.
Error Missing returnUrl Your payment request is missing the returnUrl parameter.
Error No InvoiceLines provided Your payment request did not include invoice lines. Refer to our Klarna documentation to see how to send in invoice lines in your payment request.
OfferCancelled NOT_FOUND : Invalid session id The shopper has tried to make a payment for an offer that has expired. We recommend that you ask the shopper to retry the transaction.
Not linked to a payment status, check logs. ReadSessionResponse does not have valid authorisation token Klarna sends this error when:
  • The /payments/details call to Adyen is made before the shopper received an authorisation from Klarna.
  • The shopper's authorisation token from Klarna has expired after 60 minutes.
There could be multiple reasons for this to happen.
Refused REFUSED Klarna's internal risk engine refused the payment. A possible reason is that the shopper has an unpaid balance towards Klarna.
Refused UNAVAILABLE_PAYMENT_METHOD or PAYMENT_METHOD_FAILED : Purchase for payment method failed Klarna's internal risk engine refused the payment. A possible reason is that the shopper has an unpaid balance towards Klarna.

Mastercard Merchant Advice Codes

The Merchant Advice Code (MAC) can be returned by Mastercard issuers for both approved and refused payments. This code provides additional information about the type of transaction or the reason why the payment failed. If the payment failed, the MAC gives guidance on if and when the payment can be retried. You receive the MAC in the additionalData.merchantAdviceCode of the payment response.

merchantAdviceCode Description Recommended action
01 : New account information available There has been a change in the shopper's account information, for example a new expiry date for an expired card. Get the updated card information. You can either use our Account Updater, or reach out directly to the shopper.
02 : Cannot approve at this time, try again later This can happen because of a credit limit, or insufficient funds on the card. Try again the payment after 72 hours.
03 : Do not try again The account is closed, or the issuer suspects fraud. Do not retry this payment. Retries can be subject to penalty fees by Mastercard.
Consider reaching out directly to the shopper.
04 : Token requirements not fulfilled for this token type There is a technical issue with the payment. Contact our Support Team.
21 : Payment Cancellation Shopper cancelled the recurring agreement. Do not retry this payment. Retries can be subject to penalty fees by Mastercard.
24 : Retry after 1 hour Insufficient funds. Retry the payment after 1 hour.
25 : Retry after 24 hours Insufficient funds. Retry the payment after 24 hours.
26 : Retry after 2 days Insufficient funds. Retry the payment after 2 days.
27 : Retry after 4 days Insufficient funds. Retry the payment after 4 days.
28 : Retry after 6 days Insufficient funds. Retry the payment after 6 days.
29 : Retry after 8 days Insufficient funds. Retry the payment after 8 days.
30 : Retry after 10 days Insufficient funds. Retry the payment after 10 days.
40 : Consumer non-reloadable prepaid card Issuer recognizes a consumer non-reloadable prepaid card was used for this transaction. No action required.
41 : Consumer single-use virtual card number Issuer recognized a consumer single-use virtual card was used for this transaction. No action required.
MerchantAdviceCode unknown The issuer has returned a value that is not included in the Mastercard specifications. No action possible.

MB WAY raw responses

Last journal type Response Description
Refused c5: Refused/Recusado The payment was not completed or refused in the app.
Refused ERROR - 102/203: Unknown phone number The phone number provided by the shopper is unknown.
Error No response from ACM The connection to MB WAY timed out before Adyen received a response.
Refused c2: Customer declined payment - Recusado The shopper refused the payment in the app.
Refused c4: Operation rejected The shopper should contact their bank for further information.
Refused Vp3: Limit exceeded The shopper has exceeded the maximum daily amount.

Mexico raw responses

These are the raw responses for refused or cancelled domestics transactions in Mexico.

Last journal type refusalReasonRaw Description
Approved 00 : APPROVED Approved or completed successfully
Referral 01 : REFERRAL Function not available‚ Refer to card issuer
Referral 02 : REFERRAL Refer to card issuer‚ special conditions
Declined 03 : DECLINED Invalid merchant or terminal
Block card 04 : BLOCK_CARD Pick-up card
Declined 05 : DECLINED Do not honor
Declined 06 : DECLINED Decline from the issuer
Block card 07 : BLOCK_CARD Capture card, special conditions (bad debt)
Block card 09 : BLOCK_CARD Request in progress (duplicate)
Partially approved 10 : PARTIALLY_APPROVED Partial Approval
Approved 11 : APPROVED Approved (VIP)
Declined 12 : DECLINED Invalid transaction
Invalid amount 13 : INVALID_AMOUNT Invalid amount
Invalid card 14 : INVALID_CARD Invalid card number (no such number)
Invalid card 15 : INVALID_CARD Cardholder not on file (no such issuer)
PIN required 1A : PIN_REQUIRED PIN data required
Error 30 : ERROR Format error
Error 31 : ERROR Bank not supported by switch
Card expired 33 : CARD_EXPIRED Expired card, capture
Issuer suspected fraud 34 : ISSUER_SUSPECTED_FRAUD Suspected fraud, capture
Error 35 : ERROR Card acceptor contact acquirer
Restricted card 36 : RESTRICTED_CARD Restricted card
Error 37 : ERROR Card acceptor call acquirer security
PIN tries exceeded 38 : PIN_TRIES_EXCEEDED Allowable PIN tries exceeded, capture
Not supported 39 : NOT_SUPPORTED No credit account
Block card 41 : BLOCK_CARD Lost card
Block card 43 : BLOCK_CARD Stolen card, capture
Not enough balance 51 : NOT_ENOUGH_BALANCE Insufficient funds
Card expired 54 : CARD_EXPIRED Expired card
Invalid PIN 55 : INVALID_PIN Incorrect PIN
Invalid card 56 : INVALID_CARD No card record
Transaction not permitted 57 : TRANSACTION_NOT_PERMITTED Transaction not permitted to cardholder
Transaction not permitted 58 : TRANSACTION_NOT_PERMITTED Transaction not permitted to terminal
Withdrawal amount exceeded 61 : WITHDRAWAL_AMOUNT_EXCEEDED Exceeds withdrawal amount limit
Restricted card 62 : RESTRICTED_CARD Restricted card
Withdrawal count exceeded 65 : WITHDRAWAL_COUNT_EXCEEDED Exceeds withdrawal frequency limit
Issuer unavailable 68 : ISSUER_UNAVAILABLE Response not arrived or received too late
Error 70 : ERROR Decryption error Track2
Error 71 : ERROR Must initialize keys
Error 72 : ERROR Problem initializing Keys
Error 73 : ERROR CRC error
PIN tries exceeded 75 : PIN_TRIES_EXCEEDED Allowable number of PIN tries exceeded
Error 76 : ERROR Reserved for private use or Approved country club
Error 77 : ERROR Reserved for private use or Approved pending identification (sign paper draft)
Error 78 : ERROR Reserved for private use or Approved blind
Error 79 : ERROR Reserved for private use or Approved administrative transaction
Error 80 : ERROR Reserved for private use or Approved national negative file hit OK
Error 81 : ERROR Reserved for private use or Approved commercial
Declined 82 : DECLINED Reserved for private use or No security module
Declined 83 : DECLINED Reserved for private use or No accounts
Error 84 : ERROR Reserved for private use or No PBF
Error 85 : ERROR Reserved for private use or PBF update error
Declined 86 : DECLINED Reserved for private use or Invalid authorization type
Declined 87 : DECLINED Reserved for private use or Bad Track Data
Error 88 : ERROR Reserved for private use or PTLF error
Error 89 : ERROR Reserved for private use or Invalid route service
Error 90 : ERROR Cutoff in progress
Issuer unavailable 91 : ISSUER_UNAVAILABLE Issuer or switch is inoperative
Issuer unavailable 92 : ISSUER_UNAVAILABLE Financial institution or intermediate network unknown for routing
Declined 94 : DECLINED Duplication transaction
Issuer unavailable 96 : ISSUER_UNAVAILABLE System malfunction
Declined N0 : DECLINED Reserved for private use or Unable to authorize
Error N1 : ERROR Reserved for private use or Invalid PAN length
Declined N2 : DECLINED Reserved for private use or Preauthorization full
Error N5 : ERROR Reserved for private use or Maximum credit per refund
Error N6 : ERROR Reserved for private use or Maximum refund credit reached
Error N8 : ERROR Reserved for private use or Over floor limit
Error N9 : ERROR Reserved for private use or Maximum number refund credits
Error O0 : ERROR Reserved for private use or Referral file full
Error O1 : ERROR Reserved for private use or NEG file problem
Error O2 : ERROR Reserved for private use or Advance less than minimum
Error O3 : ERROR Reserved for private use or Delinquent
Error O4 : ERROR Reserved for private use or Over limit table
Error O5 : ERROR Reserved for private use or PIN required
Error O6 : ERROR Reserved for private use or Mod 10 check
Error O7 : ERROR Reserved for private use or Force post
Error O8 : ERROR Reserved for private use or Bad PBF
Error O9 : ERROR Reserved for private use or NEG file problem
Error P0 : ERROR Reserved for private use or CAF problem
Declined P1 : DECLINED Reserved for private use or Over daily limit
Error P2 : ERROR Reserved for private use or CAPF not found
Error P3 : ERROR Reserved for private use or Advance less than minimum
Error P4 : ERROR Reserved for private use or Number of times used
Error P5 : ERROR Reserved for private use or Delinquent
Error P6 : ERROR Reserved for private use or Over limit table
Error P7 : ERROR Reserved for private use or Advance less than minimum
Error P8 : ERROR Reserved for private use or Administrative card needed
Error P9 : ERROR Reserved for private use or Enter lesser amount
Error Q0 : ERROR Reserved for private use or Invalid transaction date
Declined Q1 : DECLINED Reserved for private use or Invalid expiration date
Declined Q2 : DECLINED Reserved for private use or Invalid transaction code
Error Q3 : ERROR Reserved for private use or Advance less than minimum
Error Q4 : ERROR Reserved for private use or Number of times used
Error Q5 : ERROR Reserved for private use or Delinquent
Error Q6 : ERROR Reserved for private use or Over limit table
Error Q7 : ERROR Reserved for private use or Amount over maximum
Error Q8 : ERROR Reserved for private use or Administrative card not found
Error Q9 : ERROR Reserved for private use or Administrative card not allowed
Error R0 : ERROR Reserved for private use or Approved administrative request performed in window
Error R1 : ERROR Reserved for private use or Approved administrative request performed out of window
Error R2 : ERROR Reserved for private use or Approved administrative request performed anytime
Error R3 : ERROR Reserved for private use or Chargeback, customer file updated
Error R4 : ERROR Reserved for private use or Chargeback, customer file updated, acquirer not found
Error R5 : ERROR Reserved for private use or Chargeback, incorrect prefix number
Error R6 : ERROR Reserved for private use or Chargeback, incorrect response code or CPF configuration
Error R7 : ERROR Reserved for private use or Administrative transactions not supported
Error R8 : ERROR Reserved for private use or Card on national negative file
Error S4 : ERROR PTLF full
Error S5 : ERROR Reserved for private use or Chargeback approved, customer file not updated
Error S6 : ERROR Reserved for private use or Chargeback approved, customer file not updated, acquirer not found
Error S7 : ERROR Reserved for private use or Chargeback accepted, incorrect destination
Error S8 : ERROR Reserved for private use or ADMN file problem
Error S9 : ERROR Reserved for private use or Unable to validate PIN; security module is down
Error T1 : ERROR Reserved for private use or Invalid credit card advance amount
Error T2 : ERROR Reserved for private use or Invalid transaction date
Error T3 : ERROR Reserved for private use or Card not supported
Error T4 : ERROR Reserved for private use or Amount over maximum
Declined T5 : DECLINED Reserved for private use or CAF status = 0 or 9
Error T6 : ERROR Reserved for private use or Bad UAF
Error T7 : ERROR Reserved for private use or Cash back exceeds daily limit
Error T8 : ERROR Reserved for private use or Invalid account

Oney raw responses

Last journal type Response Description
Refused La demande de paiement a été refusée Oney declined the payment.
Error ERR_03 : L'email n'est pas compatible avec la regex définie en base. - email_address The email address failed Oney’s validation. Ask the shopper to try again with another email address.
Error 504 : Gateway Timeout The payment failed because of a timeout. Ask the shopper to try again later.
Error ERR_04 : Le pays de livraison/facturation n'est pas accepté - customer.customer_address The shipping or billing address is not accepted. Check that the address is correct and matches the country.
Error ERR_04 : Le pays de livraison/facturation n'est pas accepté - purchase.delivery.delivery The delivery address is not accepted. Check that the delivery address is correct.
Error ERR_03 : Le format du champ est invalide The phone number format is not valid. The expected format for France is: +336 or +337 followed by eight digits. The expected format for Spain is +346 or +347 followed by eight digits.
Error ERR_03 : Invalid Business_transaction. You don’t have permission to do this type of transaction. Contact our Support Team.
Error ERR_05 : Les bornes d'une OPC sont dépassées - payment.payment_amount The transaction amount is above/below the required limits for Oney.

PayPal raw responses

These are the most common raw acquirer responses from PayPal for refused, failed or cancelled transactions.

Last journal type RefusalReasonRaw Description
CaptureFailed 10606 - Transaction rejected, please contact the buyer The shopper cannot pay. For more information on why the capture failed, contact PayPal.
CaptureFailed 11607 - Duplicate request This transaction could not be completed since it is duplicate. Check whether the shopper already attempted a transaction.
Error 10001: Internal Error This indicates a technical issue on PayPal's side. For more information, contact PayPal.
Error 10002 : The user account is locked Your PayPal account may be locked. For more information, contact PayPal.
Error 10002: Restricted account PayPal merchant account has been restricted. Contact your PayPal account manager to resolve the issue.
Error 10212: Profile preference setting Applies to subscription payments. The shopper's PayPal account is configured to automatically block certain payments. The shopper can adjust this in their PayPal account.
Error 10409: You're not authorized to access this info There are multiple PayPal accounts set up on the same merchant account.
Error 10525: Invalid Data The transaction cannot be processed because the amount is zero.
If you want to make a zero-auth transaction to validate payment details, make sure that you're sending the required parameters to save payment details.
Error 10729: Shipping Address State Empty For transactions in the US and Canada, the deliveryAddress has to include a stateOrProvince.
Error 10730: Shipping Address Postal Code Empty The deliveryAddress has to include a postalCode.
Error 11451: Billing Agreement Id or transaction Id is not valid The transaction failed because the token used for the recurring transaction was created from a different merchant account. Make sure to use the recurring details created on the same merchant account.
Error 11452: Merchant not enabled for reference transactions You tried to either create or use a token, but don't have the recurring feature enabled on your PayPal account. Contact PayPal to resolve the issue.
Error 11547: Recurring payments feature is not currently available; try again later You tried to either create or use a token, but don't have the recurring feature enabled on your PayPal account. Contact PayPal to resolve the issue.
Error 11547: Permission denied Your PayPal account does not have the required API permissions. For instructions, see Set up PayPal or Set up PayPal for marketplaces. If the problem persists, contact PayPal.
Error 11601: Request for billing address failed The Request billing address feature is not enabled on your PayPal account. Contact PayPal to have it enabled.
Refused/Error XXXXX: Transaction refused because of an invalid argument. See additional error message No specific reason provided. For more information, refer to PayPal's API Error Codes.
Refused 10201: Agreement cancelled The billing agreement of a recurring payment is cancelled on PayPal's side. You can either retry the payment with another token, or create a new token.
Refused 10204: Denied The shopper's PayPal account is closed or restricted. The shopper should contact PayPal to resolve the issue.
Refused 13122: Transaction refused This transaction cannot be completed because it violates the PayPal User Agreement. For more information, contact PayPal.
Refused 10417: Transaction cannot complete This payment failed. PayPal recommends that you ask the shopper to retry the payment using another payment method from their PayPal wallet.
Refused 10486: This transaction could not be completed The transaction failed due to a bad funding source; for example, the payment exceeded the shopper's card limit.
RefundFailed 10002: You do not have permission to make this API call Your PayPal does not have the required API permissions. See Set up PayPal or Set up PayPal for marketplaces If the problem persists, contact PayPal.
RefundFailed 10007: Permission denied - You do not have permission to refund this transaction This issue is related to the permissions you have on PayPal's side. For more information, refer to PayPal documentation.
RefundFailed 10009: You do not have a verified ACH You can receive this response in the following scenarios:
  • Your PayPal account does not have enough funds for the refund.
  • You haven't verified the bank account associated to your PayPal account.
  • Your PayPal account doesn't have a bank account associated to it.
Contact PayPal to resolve the issue.

TWINT raw responses

Last journal type Response Description
Refused 103: Declined by the issuer The transaction was declined by the issuer. Ask the shopper to contact their bank for more information.
Refused 1301/1302 Shopper removed the recurring agreement The shopper has canceled their recurring payment.
Refused 103:Payment aborted by the customer The shopper did not complete the payment.
Error No response from ACM Adyen was not able to connect with TWINT which resulted in a timeout.