Transaction errors
Transaction errors can be divided into two three categories:
Hard declines: when the issuing bank does not approve the payment and are permanent authorization failures that should not be retried. These failures may be caused by: Stolen Card. Invalid Card.
Soft declines: occurs when the issuing bank approves the payment, but the transaction fails at some other point in the process. Some typical reasons for a soft decline are: Insufficient Funds. Processor Declined.
Processing errors: stem from mistakes your customer made at some point during the payment submission. Some of these errors may be caught by the issuer, the card network, or your customer's processor.
The following transaction errors can be returned from Billwerk+ Payments:
Hard declines
Irrecoverable card errors. The card is declined and future attempts will fail.
Transaction error | Description |
|---|---|
credit_card_expired | Credit card expired |
declined_by_acquirer | Transaction declined by acquirer for some reason |
credit_card_lost_or_stolen | Credit card lost or stolen |
credit_card_suspected_fraud | Credit card suspected fraud |
refund_amount_too_high | The tried refund amount is too high |
authorization_expired | Settle failed because the authorization has expired |
authorization_amount_exceeded | Settle failed because requested amount exceeded authorized amount |
authorization_voided | Settle failed because authorization has been voided |
sca_required | Transaction declined by acquirer because strong customer authentication (e.g. 3D Secure) is required |
risk_filter_block | Transaction was declined by a Reepay Risk Filter rule |
Soft declines
Possible recoverable errors. The card or settle of authorization is declined but future attempts may succeed. E.g. insufficient funds on card.
Transaction error | Description |
|---|---|
insufficient_funds | Valid payment method but insufficient funds to complete transaction |
settle_blocked | Settle of authorization blocked by acquirer or payment gateway |
Processing errors
Errors in the processing chain from Billwerk+ Payments to the acquirer.
Transaction error | Description |
|---|---|
acquirer_communication_error | Communication with acquirer failed |
acquirer_error | Error at the acquirer or payment gateway |
acquirer_integration_error | There is an error in the integration to the acquirer |
acquirer_authentication_error | Provided authentication credentials are not valid |
acquirer_configuration_error | Error in the configuration of the acquirer or payment gateway account |
acquirer_rejected_error | Acquirer rejected this specific transaction. E.g. amount too low or too high. |
Acquiring banks can have additional information by following this link you will find the transaction status codes from Clearhaus : Docs Gateway Clearhaus.
Nets error codes
Error Code | Transaction error | Transaction status |
|---|---|---|
000 | Approved | Approved |
001 | Honour with identification | Decline |
002 | Approved for partial amount | Partly Approved |
060 | Approved | Approved |
061 | Approved | Approved |
063 | Approved | Approved |
100 | Do not honour | Decline |
101 | Expired Card | Decline / Expired Card |
102 | Suspected Fraud | Decline |
103 | Card acceptor contact acquirer | Decline |
104 | Restricted card | Decline |
105 | Card Acceptor call Acquirers security department | Decline |
106 | Allowable pin tries exceeded | Decline |
107 | Refer to card issuer | Decline |
108 | Refer to card issuer special conditions | Decline |
109 | Invalid merchant | Decline |
110 | Invalid amount | Decline / Amount Error |
111 | Invalid card number | Decline |
112 | Pin data required | Decline |
113 | Unacceptable fee | Decline |
114 | No account of type requested | Decline |
115 | Requested function not supported | Decline |
116 | Not sufficient funds | Decline |
117 | Incorrect pin | Decline |
118 | No card record | Decline |
119 | Transaction not permitted to cardholder | Decline / Invalid Transaction |
120 | Transaction not permitted to terminal | Decline / Invalid Transaction |
121 | Exceeds withdrawal amount limit | Decline |
122 | Security violation | Decline |
123 | Exceeds withdrawal frequency limit | Decline |
124 | Violation of law | Decline |
125 | Card not effective | Decline |
126 | Invalid pin block | Decline |
127 | Pin length error | Decline |
128 | Pin key synch error | Decline |
129 | Suspected counterfeit card | Decline |
160 | Invalid date | Decline |
161 | Allowable number of pin tries exceeded | Decline |
162 | Unable to locate previous message | Decline |
164 | Card entry found, below low range | Decline |
165 | Pan length not according to table | Decline |
167 | Match on previous transaction not allowed | Decline |
200 | Do not honour | Decline |
201 | Expired card | Decline |
202 | Suspected fraud | Decline |
203 | Card acceptor contact acquirer | Decline |
204 | Restricted card | Decline |
205 | Card acceptor call acquires security department | Decline |
206 | Allowable pin tries exceeded | Decline |
207 | Special conditions | Decline |
208 | Lost cards | Decline |
209 | Stolen card | Decline |
210 | Suspected counterfeit card | Decline |
900 | Advice acknowledged, no financial liability accepted. | Approved |
901 | Advice acknowledged, financial liability accepted. | Approved |
902 | Invalid transaction | Decline / Invalid Transaction |
903 | Re-enter transaction | Decline |
904 | Format error | Decline / System Error Contact PBS |
905 | Acquirer not supported by switch | Decline / System Error |
906 | Cut over in process | No Reply Re-submit |
907 | Card issuer or switch inoperative | No Reply Re-submit |
908 | Transaction destination cannot find routing | Decline |
909 | System malfunction | Decline / System Error Contact PBS |
910 | Card issuer signed off | No Reply Re-submit |
911 | Card issuer timed out | No Reply Re-submit |
912 | Card issuer unavailable | No Reply Re-submit |
913 | Duplicate transmission | No Reply Re-submit |
914 | Not able to trace back to original transaction | Decline |
915 | Reconciliation cut over or checkpoint error | No Reply Re-submit |
916 | MAC incorrect | Decline / System Error |
917 | MAC key sync error | Decline / System Error |
918 | No communication keys available | Decline / System Error |
919 | Encryption key error | Decline / System Error |
920 | Security software/hardware error try again | System Error Re-submit |
921 | Security software/hardware error no action | System Error Re-submit |
922 | Message number out of sequence | System Error Contact PBS |
923 | Request in progress | System Error Re-submit |
940 | Invalid date and time, local transaction | System Error Correct system date and time on own equipment |
945 | KIR (PBS host) timeout | No Reply Re-submit |
946 | PGW error occurred, unspecified | No Reply Re-submit |
950 | Violation of business arrangement | Decline / System Error |
984 | No valid conversion for a field | Decline / System Error |