When a payment fails, xPay provides specific decline codes to help identify the reason for the failure. Below is a comprehensive list of possible decline codes and their meanings. These decline codes are currently visible in the exported CSV from the transactions page of your dashboard.

In the below table,
[U] : Signifies that the failure reason was a user error
[X] : Signifies that the failure reason was not a user error but a processing error

Decline CodeDescription
card_decline[X] The card was declined by the issuing bank for general reasons. E.g.: Fraud checks on the banks side or failing authentication.
insufficient_funds[U] The cardholder’s account has insufficient funds to complete the transaction.
issuer_decline[U] The card issuer has declined the transaction for reasons specific to their policies. This could be reasons like issuer has blocked the card.
expired_card[U] The card being used has expired.
invalid_cvc[U] The Card Verification Code (CVC) provided is incorrect or invalid.
incorrect_card_number[U] The card number provided is invalid or incorrect.
3DS_authentication_failure[U] The 3D Secure authentication process failed.
timed_out[U] The transaction timed out due to inactivity from the user’s side.
payment_method_decline[X] The payment method was declined for reasons specific to the payment method type.
generic_decline[X] The transaction was declined for a general reason not covered by other specific codes.

For more information about handling failed payments, see our Payment Statuses documentation.

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