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.Documentation Index
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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. |