Payment reason codes

Reason codes provide integrators with detailed information about why a payment has a status requiring additional steps or has failed. Each code explains the specific condition and the recommended next action.

Action required reasons

Reason codes for the action_required status ordered alphabetically.

Code	Description	Recommended action
3ds_required	3DS authentication is required for the card used.	Redirect the buyer to the 3DS page to let they complete the 3DS challenge or let the 3DS page automatically gather the buyer's device information for a frictionless authentication.

Declined reasons

Reason codes for the declined status ordered alphabetically.

Code	Description	Recommended action
3ds_failed	3DS authentication was not successful.	Prompt the buyer to retry the payment and the 3DS challenge or use a different payment method.
3ds_not_enrolled	The card is not enrolled in 3DS authentication programs and 3DS is required in the buyer or seller regions.	Request the buyer to use a different card that supports 3DS or contact their card issuer.
3ds_rejected	3DS authentication was rejected by the issuer (buyer failed authentication).	The buyer should contact their card issuer to resolve the issue or use a different payment method.
3ds_timeout	3DS authentication timed out because the buyer didn't complete the challenge within the allowed time.	Prompt the buyer to retry the payment and complete the authentication promptly.
3ds_unavailable	3DS authentication service was temporarily unavailable.	Retry the payment later or use a different payment method.
buyer_abandoned	The buyer closed the payment page or abandoned the authentication flow before completion.	Prompt the buyer to retry the payment when ready.
cancelled_by_buyer	The buyer explicitly cancelled the payment.	No action needed unless the buyer wants to retry the payment.
declined_by_acquirer	The acquiring bank declined the transaction.	Prompt the buyer to use a different payment method or contact their card issuer.
declined_by_issuer	The card issuer declined the transaction without providing a specific reason.	Advise the buyer to contact their card issuer for more information or use a different payment method.
expired_card	The card has passed its expiration date.	Request the buyer to provide updated card details or use a different payment method.
insufficient_funds	The account or card has insufficient funds to complete the payment.	Advise the buyer to add funds to their account or use a different payment method.
invalid_amount	The payment amount is invalid for this card or account (e.g., below/above transaction limits).	Adjust the payment amount or prompt the buyer to use a different payment method.
invalid_card	The card number or details provided are invalid or don't match issuer records.	Request the buyer to verify and re-enter their card details or use a different payment method.
invalid_security_code	The CVV/CVC security code provided is incorrect.	Prompt the buyer to re-enter the correct security code from their card.
limit_exceeded	The transaction exceeds the card's spending limit or velocity controls.	Advise the buyer to contact their card issuer to increase limits or use a different payment method.
lost_card	The card has been reported as lost by the cardholder.	Request the buyer to use their replacement card or a different payment method.
restricted_card	The card has restrictions that prevent this type of transaction (e.g., region, merchant category).	Advise the buyer to contact their card issuer or use a different payment method.
stolen_card	The card has been reported as stolen.	Request the buyer to use a different payment method. Do not retry with this card.
suspected_fraud	The transaction was flagged as potentially fraudulent by fraud detection systems.	Advise the buyer to contact their card issuer to verify the transaction or use a different payment method.
updated_card	The card details have been updated and the provided information is outdated.	Request the buyer to provide their updated card details.

Failed reasons

Reason codes for the failed status ordered alphabetically.

Code	Description	Recommended action
unavailable	The services downstream to process the request are temporarily unavailable.	Retry the operation later as any other Getpaid's server error or use a different request set up to route it through a different path (e.g., using a different payment method or a different bank account).
unexpected	There is an unexpected error for the specific request that may require further investigation from Getpaid side.	Retries usually do not change the result. The Getpaid team monitors these errors specially to detect implementation issues but you can report the issue to support@getpaid.io too.