> For the complete documentation index, see [llms.txt](https://docs.nonstopay.net/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.nonstopay.net/payin-api-documentation/v-failed-reason.md).

# V- FAILED Reason

* ## Credit Card : VISA & MASTERCARD:

<table><thead><tr><th width="291.5999755859375">Failed Reason</th><th>Description</th></tr></thead><tbody><tr><td>3D authentication failed / 3D authentication expired</td><td>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.</td></tr><tr><td>Unknown error, Generic Decline, No acquirers to choose</td><td>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.</td></tr><tr><td>Cannot authorize</td><td>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.</td></tr><tr><td>Suspected fraud</td><td>Each transacion should be investigated individually since this error could mean varying underlying issues.</td></tr><tr><td>This user is banned and can not perform transactions on our service. Please contact your account manager for details.</td><td>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</td></tr><tr><td>User is suspended</td><td>the user was suspended for 24 hours due to 5 failed/expired transactions in a row</td></tr><tr><td>The transaction has expired without a payment</td><td>This error means that the user had issues with redirecting to the payment page. Possible causes are ad blockers, internet connection issues, etc</td></tr><tr><td>Transaction not permitted to cardholder</td><td>In most cases, the issue originates from the issuing bank, as they are typically responsible for not permitting the processing of transactions.</td></tr><tr><td>Validation failed</td><td>Error related to authentication issue. Each transacion should be investigated individually.</td></tr><tr><td>Card is restricted or blocked</td><td>We should investigate the transaction to determine the reason of the user's card block.</td></tr><tr><td>Card is blacklisted on acquirer side</td><td>This error indicates that the card has been blacklisted by the acquirer’s anti-fraud system.</td></tr><tr><td>User's email address validation has failed</td><td>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.</td></tr><tr><td>User canceled the transaction</td><td>User canceled the transaction and abandoned it.</td></tr><tr><td>Do not honour</td><td>Each transacion should be investigated individually since this error could mean varying underlying issues.</td></tr><tr><td>Transaction expired, Timeout</td><td>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.</td></tr><tr><td>Exceeds card limits</td><td>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</td></tr><tr><td>Error from issuing bank</td><td>Issue on the user’s bank side. Individual trx investigation required.</td></tr></tbody></table>

* ## NFT Checkout

1️⃣ Contact Bank

💡 Possible Reasons:

• Payment declined by the card issuer

• "Do not honor" response

• Restricted card

• Transaction not permitted

• Issuer system inoperative

• Lost/Stolen card flagged for pickup

• Suspected fraud (issuer restriction)

📋 Summary:

The issuer rejected the payment. The user should contact their bank to confirm the reason and authorize the transaction if possible.

──────────

2️⃣ General Rejection

💡 Possible Reasons:

• Invalid transaction

• System/routing error

• Transaction not permitted at terminal

• General system failure

• Timeout or communication issue

📋 Summary:

A general error occurred on the issuer's side. The user can retry later or contact their bank/TransVoucher support.

──────────

3️⃣ 3DS-Related Errors

💡 Possible Reasons:

• 3D Secure authentication failed

• Challenge failed or timed out

• Card not supported for 3DS

📋 Summary:

The payment didn’t pass 3D Secure. The user can retry or use a different card that supports 3DS.

──────────

4️⃣ Payment Not Funded

💡 Possible Reasons:

• Insufficient funds

• No linked checking/savings account

📋 Summary:

The card has insufficient funds. The user must top up or use another payment method.

──────────

5️⃣ Bad Scoring (Fraud Check)

💡 Possible Reasons:

• TransVoucher internal fraud engine blocked the transaction

📋 Summary:

The payment was flagged as high risk. The user should complete FKYC or contact TransVoucher support.

──────────

6️⃣ Invalid CVV

💡 Possible Reasons:

• Incorrect CVV entered

• Negative CVV/CVC verification result

📋 Summary:

The CVV/CVC was invalid. The user should re-enter the correct CVV.

──────────

7️⃣ Card Blocked or Expired

💡 Possible Reasons:

• Card expired or blocked

• Card details invalid

• Card validation failed

📋 Summary:

The card is expired or invalid. The user should check details or use another card.

──────────

8️⃣ Edge/System Errors

💡 Possible Reasons:

• Unexpected system error

• Technical malfunction

• Communication failure

📋 Summary:

A system-side issue occurred. The user can retry later or contact their bank.

──────────

💬 MCC-Related Rejection

If a bank blocks a transaction based on its Merchant Category Code (MCC), it will usually appear as either:

• Payment declined by the card issuer, or

• Transaction not permitted at terminal

➡️ This corresponds to "Contact Bank" or "General Rejection" categories.


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