Payment Error Codes

When a transaction fails, the Error code link in the dashboard’s transaction details jumps to the matching entry here.

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Customer needs to fix input

Your customer needs to correct something on the checkout (card details, CVV, address, OTP, etc.) and retry.

Code	Meaning	Why it failed	Recommended action
CARD_ABNORMAL_CARDNUMBER	Invalid card number	Cause: The card number entered is invalid or does not exist	Ask the customer to re-enter it.
CARD_ABNORMAL_NOTACTIVATED	Card not yet activated	Cause: The customer’s card hasn’t been activated	Ask them to activate it with their bank.
CARD_ABNORMAL_NOTACTIVATED_ACCOUNT	Bank account not activated	Cause: The customer’s bank account is inactive	Ask them to contact their bank.
CARD_AMOUNTOVERLIMIT	Exceeds card transaction limit	Cause: Amount exceeds the card’s per-transaction or daily limit	Customer may split the charge or use another card.
CARD_AUTHENTICATION_FAILED	Card details verification failed	Cause: Couldn’t initiate bank verification with the card details	Ask the customer to recheck number, expiry, and CVV.
CARD_AUTHENTICATION_FAILED_ADDRESS	Billing address mismatch	Cause: The billing address doesn’t match the issuer’s records	Ask the customer to correct it.
CARD_AUTHENTICATION_FAILED_CVV2	Incorrect CVV	Cause: The card’s security code is wrong	Ask the customer to re-enter it.
CARD_AUTHENTICATION_FAILED_NEED_ADDITIONAL_AUTH	Additional verification required	Cause: The bank requires extra verification	The customer should contact their bank or complete verification on retry.
CARD_AUTHENTICATION_FAILED_VERIFICATIONDATA	Verification data mismatch	Cause: Information provided during verification didn’t match the issuer’s records	Ask the customer to retry.
CARD_AUTHENTICATION_FAILED_VERIFICATIONDATA	3-D Secure data mismatch	Cause: Information provided during 3-D Secure didn’t match the issuer’s records	Ask the customer to retry.
CARD_AUTHENTICATION_FAILED_VERIFICATIONDATA	One-time code incorrect	Cause: The customer’s one-time verification code from the bank was wrong	Ask them to request a new code and retry.
CARD_BANK_REJECT_ISSUER_CONTACT	Issuer requires customer contact	Cause: The customer’s bank wants them to call to verify or lift a restriction before retrying	Ask the customer to contact their bank.
CARD_BANK_REJECT_ISSUER_URGENT	Bank flagged abnormality	Cause: The customer’s bank flagged something and wants them to call immediately	Ask the customer to contact their bank right away.
CARD_OVERLIMIT	Exceeds bank limit	Cause: Amount exceeds the customer’s credit limit or per-transaction cap	Suggest splitting the charge or using another card.
CARD_PIN_INVALID	PIN or CVV incorrect	Cause: The PIN or CVV entered was wrong	Ask the customer to re-verify.
EXCEED_DAILY_LIMIT	Daily limit reached	Cause: The customer’s daily spending hit the bank’s cap	Suggest retrying tomorrow or using another card.
INITIATE_AUTHENTICATION_FAILED	Verification could not start	Cause: Couldn’t start bank verification with this card number	Ask the customer to recheck the card number.
USER_CPF_INVALID	Brazilian Tax ID (CPF) invalid	Cause: The Brazilian Tax ID the customer entered is malformed or doesn’t exist	Ask them to correct it.
CREATE_ORDER_EXPIRED_TOKEN	Checkout page expired	Cause: The customer took too long on the checkout page	Ask them to start a new checkout.

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Customer needs a new payment method

This card can’t be used. Ask the customer to use a different card or payment method.

Code	Meaning	Why it failed	Recommended action
CARD_ABNORMAL	Card in abnormal status	Cause: The customer’s card has been reported lost or frozen	Ask them to use another payment method.
CARD_ABNORMAL_CLOSED	Bank account closed	Cause: The customer’s bank account is closed	Ask them to use another payment method.
CARD_ABNORMAL_CLOSED_FROMACCOUNT	Source account closed	Cause: The funding account linked to the customer’s card is closed	Ask them to use another method.
CARD_ABNORMAL_EXPIRED	Card expired	Cause: The customer’s card has expired	Ask them to update it or use a different card.
CARD_ABNORMAL_FRAUD	Issuer flagged as fraud	Cause: The customer’s bank blocked this on fraud suspicion	Ask them to contact the bank or use another card.
CARD_ABNORMAL_ISSUER	Issuer not registered	Cause: The customer’s bank isn’t registered with the card network	Ask them to use a different card.
CARD_ABNORMAL_LOST	Card reported lost	Cause: The customer’s card was reported lost	Ask them to use another payment method.
CARD_ABNORMAL_NOCREDIT	No linked credit account	Cause: Couldn’t find a credit account tied to the customer’s card	Ask them to verify or use another card.
CARD_ABNORMAL_STOLEN	Card reported stolen	Cause: The customer’s card has been reported lost or stolen	Ask them to use another payment method.
CARD_BANK_REJECT_BLOCK	Bank account blocked	Cause: The customer’s bank account is frozen	Ask them to use another method or contact the bank.
CARD_BANK_REJECT_FRAUD	Bank blocked for fraud	Cause: The customer’s bank flagged this transaction as fraud and blocked it	Ask them to use another method.
CARD_BANK_REJECT_LAW	Account restricted by law	Cause: The customer’s account is legally restricted from transactions	Ask them to use another method.
CARD_BANK_REJECT_REVOKEALL_ACCOUNT	Account access revoked	Cause: The customer’s account access has been fully revoked	Ask them to use another method.
CARD_INSUFFICIENT_BALANCE	Insufficient funds	Cause: The customer’s card doesn’t have enough funds	Ask them to top up or use another card.
CARD_INVALID_TRANSACTION	Card type not supported	Cause: The customer’s card doesn’t support this transaction type	Ask them to use a different card.
CARD_PAYMENT_RETRY_LIMIT	Retry limit reached	Cause: Too many failed attempts on this card; the network has blocked further retries	Ask the customer to use a different card.
CARD_ABNORMAL_NOCHECKING	Card couldn’t be verified	Cause: The issuer flagged the customer’s card as abnormal and couldn’t verify it	Ask them to use another card.
CARD_ABNORMAL_RESTRICTED	Card restricted in this region	Cause: The customer’s card is restricted or locked in this region	Ask them to use another method.
CARD_NOTALLOWED_TXN	Transaction type not allowed	Cause: The issuer prohibits this transaction type on this card (e.g. cross-border)	Ask the customer to use a different card.
PAYMENT_REJECTION	Blocked by Waffo risk	Cause: This transaction was blocked by Waffo’s risk rules	Contact support if you think this is wrong.
PAYMENT_CHANNEL_REJECTION	Payment rejected	Cause: The payment service rejected this transaction on its own risk rules	Ask the customer to use another method.
PAYMENT_CHANNEL_REJECTION	Subscription charge rejected	Cause: The saved payment method for this subscription has not been verified	Ask the customer to verify it in the customer portal.
PAYMENT_CHANNEL_REJECTION	Subscription charge failed: card expired	Cause: The card on file for this subscription has expired	Ask the customer to update it in the customer portal.
PAYMENT_CHANNEL_REJECTION	Invalid mobile number	Cause: The customer’s mobile number format is invalid	Ask them to correct it.
CREATE_ORDER_FAILED	Payment service under maintenance	Cause: The payment service is undergoing maintenance	Ask the customer to retry later.
CREATE_ORDER_FAILED	Payment service declined	Cause: The payment service rejected this transaction on its own risk rules	Ask the customer to use another method.

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Transient issues — retry later

A temporary glitch in the bank, card network, or payment service. The customer can usually retry in a few minutes.

Code	Meaning	Why it failed	Recommended action
CARD_AUTHENTICATION_ERROR	Verification protocol error	Cause: A protocol or communication issue occurred during verification	Ask the customer to retry shortly.
CARD_BANK_REJECT_REVOKE_SINGLE	Bank revoked this transaction	Cause: The customer’s bank revoked this specific authorization	Ask them to retry.
CARD_BANK_REJECT_SECURITY	Blocked by bank security	Cause: The customer’s bank blocked this for security	Ask them to retry later or contact the bank.
CARD_COUNTOVERLIMIT	Too many attempts	Cause: The customer’s card has hit a frequency limit	Ask them to retry later.
ISSUE_BANK_DECLINE	Issuer declined (no reason)	Cause: The customer’s bank declined without specifying why	Ask them to retry later.
RISK_TRANSACTION_LIMIT	Waffo risk control triggered	Cause: Waffo’s amount or velocity rules blocked this transaction	Ask the customer to retry later or use another card.
TIMEOUT_CHANNEL_CLOSE	Payment service timed out	Cause: The payment service didn’t respond in time, so this attempt was auto-closed	Ask the customer to retry.
CARD_BANK_REJECT	Bank declined	Cause: The customer’s bank declined this without a specific reason	Ask them to retry later.
CARD_GENERAL_ERROR	Bank generic error	Cause: The bank returned a non-specific error	Ask the customer to retry or switch methods.
CARD_ORG_OTHER_ERROR	Card network error	Cause: The card network (Visa, Mastercard, etc.) returned an internal error	Ask the customer to retry.
CARD_SYSTEMERROR	Bank temporarily down	Cause: The customer’s bank is having transient issues	Ask them to retry shortly.
CREATE_ORDER_ERROR	Payment initiation timed out	Cause: Network timeout when creating the transaction	Ask the customer to retry.
PAYMENT_CHANNEL_ERROR	Payment service communication error	Cause: An unexpected error occurred communicating with the payment service	Ask the customer to retry.
PAYMENT_CHANNEL_ERROR	Payment service network error	Cause: The network connection to the payment service failed	Ask the customer to retry.
PAYMENT_CHANNEL_ERROR	Payment service communication error	Cause: An unexpected error occurred communicating with the payment service	Ask the customer to retry.
PAYMENT_CHANNEL_ERROR	Unexpected payment service response	Cause: The payment service returned an unparseable response	Ask the customer to retry.
PAYMENT_FAILED	Payment failed	Cause: See the transaction detail for the specific reason	Contact support if unclear.
PAYMENT_FAILED	Customer abandoned checkout	Cause: The customer left the checkout page without finishing	Reach out if you want to recover the sale.
PAYMENT_FAILED	Payment service notification failed	Cause: The payment may have succeeded but the notification didn’t arrive	Check the order status again later.
PAYMENT_FAILED	Payment service error	Cause: The payment service didn’t give specific details	Ask the customer to retry or switch methods.
SYSTEM_ERROR	Internal system error	Cause: A transient internal error in Waffo	Ask the customer to retry; contact support if persistent.
UNKNOWN_ERROR	Unknown error	Cause: An undefined exception occurred	Ask the customer to retry; contact support if it keeps happening.
UNSPECIFIED_PAYMENT_FAILURE	Payment failed (no specific reason)	Cause: The bank or payment service didn’t give a specific reason	Ask the customer to try another method.

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Terminal — no action available

The payment never went through and the transaction is closed. No remediation is possible; you can still reach out to the customer if you want to recover the sale.

Code	Meaning	Why it failed	Recommended action
CANCEL_CLOSE	Order closed	Cause: This order was closed	No action needed.
TIMEOUT_CLOSE	Customer payment timeout	Cause: The customer didn’t pay in time and the order was closed	Send a new payment link if needed.
USER_CANCEL_CLOSE	Customer canceled	Cause: The customer canceled this order	Reach out if you want to recover the sale.
CARD_CARDHOLDER_REJECT	Customer declined at bank	Cause: The customer canceled the payment at their bank	Reach out if you want to recover the sale.
MERCHANT_ORDER_TIMEOUT	Order expired	Cause: The order’s expiration passed without payment and was auto-closed	Send a new payment link if needed.

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Other

Bank-side duplicate detection.

Code	Meaning	Why it failed	Recommended action
CARD_BANK_REJECT_DUPLICATE	Duplicate transaction	Cause: The bank detected this as a duplicate and blocked it to prevent double-charging	The customer should contact the bank if it isn’t.