Processor Errors

When you attempt to execute a payment, the transaction between Mymoid and the payment processor is initiated. If the processor denies the transaction, we will provide you with information about the error code we receive from the processor. This information will be included in the "processor" section of the JSON that we send to your system. This document provides information on error codes related to payment processing for four different platforms: WorldPay, Finaro, Redsys, and Bambora.

Error response examples from API payment.

API error response from Redsys when the card psd2 restriction:

{
  "code": "Validator.mymoPay.mitTransactionDenied",
  "message": "MIT transaction denied due to PSD2 restrictions",
  "origin": "PROCESSOR",
  "status": 400,
  "details": [
    {
      "processor_name": "Redsys",
      "code": "INTERNAL_PSD2_RESTRICTION"
    }
  ]
}

API error response from Bambora when the card is expired:

{
  "code": "Validator.mymoPay.genericGatewayError",
  "message": "Generic gateway error",
  "origin": "PROCESSOR",
  "status": 400,
  "details": [
    {
      "processor_name": "Bambora",
      "code": "5"
    }
  ]
}

API error response from Credorax when the card has insufficient funds:

{
  "code": "Validator.mymoPay.genericGatewayError",
  "message": "Generic gateway error",
  "origin": "PROCESSOR",
  "status": 400,
  "details": [
    {
      "processor_name": "Credorax",
      "extended_code": "51",
      "message": "The transaction has been declined.",
      "code": "05"
    }
  ]
}

API error response from Worldpay when the card is expired:

{
  "code": "Validator.mymoPay.genericGatewayError",
  "message": "Generic gateway error",
  "origin": "PROCESSOR",
  "status": 400,
  "details": [
    {
      "processor_name": "Worldpay",
      "code": "5"
    }
  ]
}

Below we provide you, more detailed information about the errors that you can receive from the different processors.

WorldPay Error Codes

WorldPay is a payment processing platform that offers a range of payment options and features. The following table lists the most common error codes associated with WorldPay:

Error CodeDescription
209Invalid payment amount
661Invalid currency code
82Invalid card number
32Invalid expiry date
301Invalid amount number
352Invalid CVV number
302Invalid card type
327Invalid cardholder name
401Invalid address
313Invalid country code
614Invalid email address
959Invalid telephone number
360Invalid transaction ID
658Invalid authorization code
637Invalid terminal ID
301Invalid account number
900Invalid routing number

Finaro (Credorax) Error Codes

Finaro is a payment gateway that provides online payment processing services. The following table lists the most common error codes associated with Finaro:

Error CodeDescription
00Approved or completed successfully
01Refer to card issuer
02Refer to card issuer - special condition
03Invalid merchant
04Pick up card
05Do not honour
06Error
07Pick up card - special condition
08Honour with identification
10Partial amount approved
12Invalid transaction
13Invalid amount
14Invalid card number
15No such issuer
19Re-enter transaction
21No action taken
30Format error
34Implausible card data
39No credit account
41Lost card, pick up
42No universal account
43Pick up, stolen card
44No investment account
46Closed account
50Do not renew
51Insufficient funds
52No checking account
53No savings account
54Expired card
55Incorrect PIN
57Transaction not allowed for cardholder
58Transaction not permitted to terminal
59Suspected fraud
61Exceeds withdrawal limit
62Restricted card
63Security violation
64Wrong original amount
65Activity count limit exceeded
68Response received too late
70PIN data required
71Decline, PIN not changed
75PIN tries exceeded
76Wrong PIN, number of PIN tries exceeded
77Wrong Reference Number
78Blocked, first used/ Record not found
79Declined due to lifecycle event
80Network error
81PIN cryptographic error
82Bad CVV/ Declined due to policy event
83Transaction failed
84Pre-authorization timed out
85No reason to decline
86Cannot verify PIN
87Purchase amount only, no cashback allowed
88Cryptographic failure
89Authentication Failure
91Issuer not available
92Unable to route at acquirer module
93Transaction cannot be completed, violation of law
94Duplicate transmission
95Reconcile error / Auth not found
96System malfunction
97Transaction has been declined by the processor
N3Cash service not available
N4Cash request exceeds issuer or approved limit
N7CVV2 failure
R0Stop Payment Order
R1Revocation of Authorisation Order
R3Revocation of all Authorisation Orders
1AStrong Customer Authentication required

Redsys Error Codes

Redsys is a payment gateway that provides online payment processing services in Spain. The following table lists the most common error codes associated with Redsys:

Error CodeDescription
SIS0001Card expired
SIS0002Card number incorrect
SIS0003CVV incorrect
SIS0004Card type not accepted
SIS0005Insufficient funds
SIS0006Suspected fraud
SIS0007Cardholder dispute
SIS0008Transaction not allowed
SIS0009Duplicate transaction
SIS0010Invalid amount
SIS0011Invalid merchant
SIS0012Invalid currency
SIS0013Authentication failed
SIS0014Invalid card issuer
SIS0015Gateway error

Bambora Payment Gateway Errors

The following table lists some common errors you may encounter when using the Bambora payment gateway.

  1. Bambora Error Codes
  2. Bambora Error new codes
Error CodeDescription
14Invalid expiration date.
16Duplicate Transaction.
51Restricted Card or IP.
52Invalid card number.
54Transaction timeout - No available device.
55Transaction timeout - No transaction Response
59Declined - Operation must be performed by Master Merchant.
60Declined - Operation restricted through Master Merchant.
103The transaction has been declined by the issuing bank.
544An error occurred on the server.
704Invalid CVV code.
1027Insufficient funds in the cardholder's account.

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