Response codes

All transactions are valid for 30 minutes. Any response received after 30 minutes should be considered final.

Response Codes and Transaction Status

Response codes may change as a transaction progresses, as customers can retry the transaction until it expires. However, the final response code will indicate whether the transaction was successful, failed, or expired.

Webhooks

For webhook responses, the event type TRANSACTION.COMPLETED indicates a final webhook event for a particular transaction. No further updates will be sent for that transaction.

Response Description	Response Code	Status
Final Response Codes(customer cannot retry)

Approved by Financial Institution, Partial	10	Successful
Approved by Financial Institution, VIP	11	Successful
Approved by Financial Institution	00	Successful
Transaction In Progress	09	Pending
Customer Cancellation	Z6	Cancelled
Other Responses

Approved by Financial Institution	00	Successful
Refer to Financial Institution	01	Declined
Refer to Financial Institution, Special Condition	02	Declined
Invalid Merchant	03	Declined
pick-Up card	04	Declined
Don Not Honor	05	Declined
Error	06	Declined
Pick-Up Card, Special Condition	07	Declined
Honor with Identification	08	Declined
Request In Progress	09
Partially Approved by Financial Institution	10	Declined
Approved by Financial Institution, VIP	11
Invalid Transaction	12	Declined
Invalid Amount	13	Declined
Invalid Card Number	14	Declined
No Such Financial Institution	15	Declined
Approved by Financial Institution, Update Track 3	16
Customer Cancellation	17	Declined
Customer Dispute	18	Declined
Re-enter Transaction	19	Declined
Invalid Response From Financial Institution	20	Declined
No Action Taken by Financial Institution	21	Declined
Suspected Malfunction	22	Declined
Unacceptable Transaction Fee	23	Declined
File Update not Supported	24	Declined
Unable to Locate Record	25	Declined
Duplicate Record	26	Declined
First Update File Edit Error	27	Declined
File Update File Locked	28	Declined
File Update Failed	29	Declined
Format Error	30	Declined
Bank Not Supported	31	Declined
Completed Partially by Financial	32	Declined
Expired Card, Pick-Up	33	Declined
Suspected Fraud, Pick-Up	34	Declined
Restricted Card, Pick-Up	36	Declined
Incorrect Security Details Provided. PIN Tries Exceeded, Pick-Up	38	Declined
No Credit Account	39	Declined
Function not Supported	40	Declined
Lost Card, Pick-Up	41	Declined
No Universal Account	42	Declined
Stolen Card, Pick-Up Stolen Card, Pick-Up	43	Declined
No Investment Account	44	Declined
Declined by Bank for custom reasons	45	Declined
Declined by Bank for custom reasons	46	Declined
Declined by Bank for custom reasons	47	Declined
No customer record	48	Declined
Insufficient Funds	51	Declined
No Check Account	52	Declined
No Savings Account	53	Declined
Expired Card	54	Declined
Incorrect PIN	55	Declined
No Card Record	56	Declined
Transaction not Permitted to Cardholder	57	Declined
Transaction not Permitted on Terminal	58	Declined
Suspected Fraud	59	Declined
Contact Acquirer	60	Declined
Exceeds Withdrawal Limit	61	Declined
Restricted Card	62	Declined
Security Violation	63	Declined
Original Amount Incorrect	64	Declined
Exceeds withdrawal frequency	65	Declined
Call Acquirer Security	66	Declined
Hard Capture	67	Declined
Response Received Too Late	68	Declined
Incorrect Security Details Provided. PIN tries exceeded	75	Declined
Reserved for Future Postilion Use	76	Declined
Intervene, Bank Approval Required	77	Declined
Intervene, Bank Approval Required for Partial Amount	78	Declined
Invalid Digital Signature	79	Declined
Declined by Bank for custom reasons	81	Declined
Declined by Bank for custom reasons	82	Declined
Declined by Bank for custom reasons	83	Declined
Declined by Bank for custom reasons	86	Declined
Information not on file	88	Declined
Declined by Bank for custom reasons	89	Declined
Cut-off in Progress	90	Declined
Issuer or Switch Inoperative	91	Declined
Routing Error	92	Declined
Violation of law	93	Declined
Duplicate Transaction	94	Declined
Reconcile Error	95	Declined
System Malfunction	96	Declined
Declined by Bank for custom reasons	97	Declined
Exceeds Cash Limit	98	Declined
Declined by Bank for custom reasons	99	Declined
Unexpected Error	A0	Declined
Transaction not Permitted to Card Holder, via channels	A4	Declined
Stock has finished	A8	Declined
Incorrect Phone Number	A9	Declined
An unknown error has occurred, please contact system administrator.	E21	Declined
Interswitch processing error	E42	Declined
Interswitch processing error	E53	Declined
Interswitch processing error	E60	Declined
Declined by Bank for custom reasons	F4	Declined
Declined by Bank for custom reasons	F5	Declined
Declined by Bank for custom reasons	G3	Declined
Declined by Bank for custom reasons	G4	Declined
Declined by Bank for custom reasons	H4	Declined
Time Out calling postilion service	S0	Requery
Fraud Service Declined Transaction	S3	Declined
Error processing transaction	SK	Declined
Exceeds Maximum Amount Allowed	X03	Declined
Minimum Amount for Payment Item Not Met	X04	Declined
The Amount Requested is above the Limit permitted by your Bank, please contact your Bank	X05	Declined
Cannot Retrieve Collections Account	XGO	Declined
Successfully Retrieved Collections Account	XG1	Declined
Exceeded time period to complete transaction	XS1	Declined
Error processing transaction	XX	Declined
Transaction Not Completed	Z0
Transaction Error	Z1	Declined
Bank Account Error	Z2	Declined
Bank Collections Account Error	Z3	Declined
Interface Integration Error	Z4	Declined
Duplicate Reference Error	Z5	Declined
Incomplete Transaction	Z6	Declined
Transaction Split Pre-Processing Error	Z7	Declined
Invalid Card Number, via Channels	Z8	Declined
Transaction not Found	Z25	Declined
Recurrent transaction rate limit exceeded	Z162	Declined
Payment Requires Token	Z61
Request to Generate Token is Successful	Z62
Token Not Generated. Customer Not Registered on Token Platform	Z63
Error Occurred. Could Not Generate Token	Z64
Payment Requires Token Authorization	Z65
Token Authorization Successful	Z66
Token Authorization Not Successful. Incorrect Token Supplied	Z67
Error Occurred. Could Not Authenticate Token	Z68
Customer Cancellation Secure3D	Z69
Cardinal Authentication Required	Z70
Cardinal Lookup Successful	Z71
Cardinal Lookup Failed	Z72
Cardinal Authenticate Successful	Z73
Cardinal Authenticate Failed	Z74
Wibmo Lookup Successful	Z76
Wibmo Lookup Failed	Z77
Error calling Cybersource Service	Z80
Bin has not been configured	Z81
Merchant not configured for BIN	Z82
This is a http response that is returned on the API for different reasons(e.g; "Bad Request", "Card has expired", Correct pin not found, etc	10400
This is a http response that is returned on the API for different reasons	10403
This is a http response that is returned on the API for different reasons	10500
Cardholder not enrolled for OTP	M0
Payment requires authentication	T0
No Response received for 3DS auth	T1

Refund API Response Codes

Please refer to the standard HTTP response codes. Where anything starting with 2XX signifies approved, 4XX means client error and 5XX indicates server error. When the response codes start with 4XX or 5XX, an error object will be returned to explain further the reason for this failure. Find common response codes and their descriptions below:

Code	Description
60002	Refund amount greater than transaction amount
10400	Error creating refund: This refund reference has already been used.
10500	Error processing request, please try again.
404	Transaction not found for merchant
400	Error creating refund: refund amount greater than transaction amount
500	Could not validate refund.

Other 10400 code meaning

Case	Error Description
If parent payment id or parent transaction reference is not passed	Please provide the initial transaction details
If transaction is found but id is null	Invalid transaction not found
If merchant code on parent transaction is not the merchant code of the merchant	User operation unauthorized
If merchant code on parent transaction does not match with merchant code passed	Invalid transaction. cannot perform refund on their transaction.
If transaction is not successful	Invalid transaction. Only successful transactions can be refunded
If transaction is a split transaction	Cannot perform refund on split transaction
If payment has non card provider id as credit	Cannot perform refund on this transaction
If currency code of transaction is not supported	Cannot perform refund on this transaction
If payment channel is not supported for refund	Cannot perform refund on this transaction
If refund has been created for the parent transaction	Transaction has been refunded or is logged for refunds
If transaction is older than certain number of days	Cannot refund transaction older than - days
If transaction account number cannot be retrieved	Refund account number not found
If parent transaction is not found or it has no response code	Could not validate refund
If refund amount is null	Please provide a refund Amount for the PARTIAL refund
If refund type or amount is null	Please provide a refund Type or a refund Amount
If refund is not full or partial	Invalid refund type
If refund amount is below minimum refundable amount	Refund amount cannot be less than minimum amount
If refund is full and refund amount is greater than parent transaction amount	Refund amount cannot exceed the transaction amount