V- FAILED Reason
AUTHENTICATION_PROCESSING_ERROR
tech glitch on the aq
Do not honour
This message is usually sent back to the merchant or service provider when a customer attempts to make a purchase online or complete a transaction using their debit or credit card, and the bank has refused to authorize the payment.
timeout
Customer was redirected to the 3DS page but did not complete the transaction within 15 minutes of its creation.
FAILURE
These declines are DO_NOT_PROCEED from MPGS which means Customer authentication attempted, but could not be completed.
Fraud/Security (Mastercard use only)
the transaction was declined by Mastercard due to detected fraud or security concerns specific to their internal measures.
expired
Expired occur when transactions are not completed. If a customer is redirected to 3DS but does not complete the process, the transaction will be flagged as a Expired after 15 minutes.
PLATFORM_ERROR_GATE_NOT_FOUND
It means geo, or issuer or something other is not working on the provider side and they cannot find a gate to process operation
DO_NOT_HONOUR_PROCESSING_ERROR
Rejection by the antifraud system
Not sufficient funds
Not sufficient funds
Awaiting for 3ds verification
3ds verification not completed on the given time frame
EMITTER_DENIAL_PROCESSING_ERROR Decline, transaction not permitted to cardholder
tech glitch on the aq
Transaction timeout.
Transaction timeouts are the transactions which are in pending state [left unattended or terminated by payer/customer] for more then 30mins. Our system change all pending transactions to decline every 31st minute.
PENDING -
Transaction timeouts are transactions that are in the pending state [left unattended or terminated by the payer/customer]
Message from Acquirer: Do not honour, Gateway code: DECLINED
Do not honour
PROCESSOR_DENIAL_PROCESSING_ERROR
tech glitch on the aq
Redirect Timeout
merchant has not redirected the txn with the given timefram
EMITTER_DENIAL_PROCESSING_ERROR Transaction not permitted to cardholder
tech glitch on the aq
3DS_TIMEOUT_PROCESSING_ERROR
merchant has not completed the txn with the given timefram
PENDING
Transaction timeouts are transactions that are in the pending state [left unattended or terminated by the payer/customer]
VALIDATION_PROCESSING_ERROR Decline, Policy violation
issuer decline
Gateway Recommendation - DO_NOT_PROCEED & Result - FAILURE
These declines are DO_NOT_PROCEED from MPGS which means Customer authentication attempted, but could not be completed.
Message from Acquirer: DEBIT PROCESS FAILED, Gateway code: DEBIT PROCESS FAILED
issuer decline
Policy (Mastercard use only)
The transaction was declined due to a violation of Mastercard's specific policies or rules.
Declined - 3DS authentication failed
merchant has not completed the authentication process
The issuer's country is included in a blacklist.
tech glitch on the aq
MID Limits Error: Max ticket
tech glitch on the aq
DECLINED -
hard decline
DECLINED - Do not honour
This message is usually sent back to the merchant or service provider when a customer attempts to make a purchase online or complete a transaction using their debit or credit card, and the bank has refused to authorize the payment.
LIMIT_PROCESSING_ERROR Decline, exceeds withdrawal amount limit
tech glitch on the aq
43 - DECLINED : RESUBMIT_WITH_ALTERNATIVE_PAYMENT_DETAILS
issuer decline
Un-routable transaction / no upstream bank willing to accept
no upstream bank willing to accept generally refers to a situation where a payment or transaction is being declined because the card issuer (the "upstream bank") is not authorizing the transaction.
AutoCron Failed
issuer decline
Card blacklisted
Card is blacklisted by acquiring network due to majority chargebacks or customer reporting the txns
This customer can not be processed !
issuer decline
AUTHENTICATION_NOT_AVAILABLE
The error message "AUTHENTICATION NOT AVAILABLE" typically indicates that the system or application is unable to verify a user's identity, often due to issues with authentication credentials or server availability
Failed
issuer decline
Abandoned
Abandoned means the transaction process was started but not completed by the user. This typically occurs when the user exits the payment flow before finalizing the transaction, such as closing the browser or not completing authentication.
Decline - General decline of the card. No other information provided by the issuing bank.
Decline - General decline of the card. No other information provided by the issuing bank.
Encountered a Payer Authentication problem. Payer could not be authenticated.
Encountered a Payer Authentication problem. Payer could not be authenticated.
risk management transaction timeout
Decline by the risk management from the issuer
Restricted card
A "restricted card" means a card (credit or debit) that has limitations on where or how it can be used, often due to security measures, geographical restrictions, or merchant type limitations.
Unsuccessful payment
Hard decline, Hard declines are refusals from the issuing bank that do not provide any reasons for the denial.
Payment denied
Hard decline, Hard declines are refusals from the issuing bank that do not provide any reasons for the denial.
AUTHENTICATION_NOT_AVAILABLE
Issuer declined : The error message "AUTHENTICATION NOT AVAILABLE" typically indicates that the system or application is unable to verify a user's identity, often due to issues with authentication credentials or server availability
3D authentication failed / 3D authentication expired
It means that the user did not complete the additional security check required during the payment process, such as entering a one time password. This could happen due to incorrect information, timeouts, or technical issues.
Unknown error, Generic Decline, No acquirers to choose
these are generic error messages. We are continuously improving our error mapping system. If you encounter these errors, feel free to contact us for further clarification. We will investigate and get back to you with the necessary information.
Cannot authorize
This error typically comes from the user's bank. It indicates that the bank has declined the authorization request, which may be due to insufficient funds, fraud prevention measures, or other cardholder-related issues. Each case requires individual investigation.
Suspected fraud
Each transacion should be investigated individually since this error could mean varying underlying issues.
This user is banned and can not perform transactions on our service. Please contact your account manager for details.
It means that the ban was imposed because the user attempted to process transactions using more than five different cards, which our system flagged as fraudulent behavior. The ban is permanent is such case. If a user is banned please do not send this user to us
User is suspended
the user was suspended for 24 hours due to 5 failed/expired transactions in a row
The transaction has expired without a payment
This error means that the user had issues with redirecting to the payment page. Possible causes are ad blockers, internet connection issues, etc
Transaction not permitted to cardholder
In most cases, the issue originates from the issuing bank, as they are typically responsible for not permitting the processing of transactions.
Validation failed
Error related to authentication issue. Each transacion should be investigated individually.
Card is restricted or blocked
We should investigate the transaction to determine the reason of the user's card block.
Card is blacklisted on acquirer side
This error indicates that the card has been blacklisted by the acquirer’s anti-fraud system.
User's email address validation has failed
This error occurs when the user's email address is invalid or undeliverable. Please ensure the user’s email is accurate and functional to have a successful transaction.
User canceled the transaction
User canceled the transaction and abandoned it.
Do not honour
Each transacion should be investigated individually since this error could mean varying underlying issues.
Transaction expired, Timeout
means that the window for processing the transaction has ended, often because the user abandoned the process and did not complete the full transaction flow.
Exceeds card limits
This error originates from the issuing bank, indicating that the user has exceeded their card limits. In such cases, we recommend advising the user to contact their bank for details regarding the rejection
Error from issuing bank
Issue on the user’s bank side. Individual trx investigation required.
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