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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 CodeDescription
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.