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The following table lists all possible failureCode values that may be returned in the failure object when a payment fails.

Failure Codes

Failure CodeDescription
ACCOUNT_AUTHENTICATION_FAILEDCVV/PIN provided was incorrect or invalid
ACCOUNT_CLOSEDConsumer’s account has been closed
ACCOUNT_NUMBER_INVALIDConsumer’s account (eg. identified by card PAN) or issuing bank has not been recognised or does not exist
BLOCKED_BY_PAYMENDPayment blocked by Paymend
CARD_BLOCKEDCard reported as lost or stolen
CARD_EXPIREDCard has expired
CARD_RESTRICTEDCard has been restricted, contact issuing bank
EXCEEDS_AUTHORIZED_AMOUNTValue of capture request exceeds authorised amount
EXCEEDS_CAPTURED_AMOUNTValue of refund request exceeds captured amount
FORMAT_ERRORError found in the format of the request
GENERIC_DECLINEGeneric issuer decline
INSUFFICIENT_FUNDSThere are not enough funds available in the consumer’s account to authorise the transaction
INVALID_AMOUNTTransaction amount marked as invalid
INVALID_MERCHANTInvalid merchant
INVALID_TRANSACTIONTransaction marked as invalid
PAYMENT_METHOD_NOT_SUPPORTEDPayment method (or card brand) is not supported by Paymend
ROUTING_ERRORNo route could be found to process the transaction
SECURITY_VIOLATIONTransaction declined due to security or legal violation
SUSPECTED_FRAUDTransaction declined due to suspicion of fraud
TRANSACTION_NOT_PERMITTEDTransaction not permitted
UNKNOWN_FAILURECause of failure is not yet mapped
PROVIDER_UNAVAILABLEProvider did not respond to the request
PROVIDER_PROCESSING_ERRORProvider experienced an error when attempting to process the transaction
INTERNAL_SERVICE_UNAVAILABLEA Paymend service did not respond to the request
INTERNAL_PROCESSING_ERRORPaymend experienced an error when attempting to process the transaction