Error Codes

When a payment fails, xPay provides specific error codes to help identify the reason for the failure. Below is a comprehensive list of possible error codes and their meanings. These error 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

Error Code	Description
`card_decline`	[X] The payment has been declined by the customer’s bank.
`expired_card`	[U] The card has expired.
`invalid_cvc`	[U] The CVC code is incorrect.
`invalid_address`	[U] The address information code is incorrect.
`insufficient_funds`	[U] The card has insufficient funds.
`incorrect_card_number`	[U] The card number is incorrect.
`threeDS_authentication_failure`	[U] 3D Secure authentication failed.
`timed_out`	[U] The payment process timed out.
`payment_method_decline`	[X] The payment method was declined.
`generic_decline`	[X] The payment was declined.
`issuer_decline`	[X] The payment was declined by the issuer.
`technical_issue`	[X] The transaction could not be processed due to an internal server issue.
`risk_check_failed`	[X] The payment method failed risk checks.
`setup_method_authorisation_failed`	[X] Failed to authorise test payment on the payment method.
`setup_method_indian_cards`	[X] Cards issued in India are not supported for authorisation.
`invalid_amount`	[X] The payment method doesn’t support this amount.
`card_rate_limit_exceeded`	[X] Card rate limit exceeded. Please try again later.
`fraudulent`	[X] The payment is suspected to be fraudulent.
`lost_card`	[X] The payment method has been reported lost/stolen.
`processing_error`	[X] The payment network encountered an error. Please try the payment again.
`transaction_not_allowed`	[X] This type of transaction is not allowed on this payment method.

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

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Error Codes