Errors - PayChoice

HTTP status codes

Check the HTTP status first. Anything other than 200 OK (or 201 Created on v5 token creation) indicates an error; the body carries the detail.

HTTP code	Meaning
`200 OK`	Request succeeded
`201 Created`	v5 only: a token was created
`400 Bad Request`	Missing or malformed parameter
`401 Unauthorized`	Credentials missing or invalid. Payment endpoints return an empty body
`402 Payment Required`	The charge was not approved; read `charge.status`, `error` and `error_code`
`403 Forbidden`	Billing: the credential can’t access this merchant or customer, or the action isn’t permitted (e.g. attaching a bank account already attached elsewhere)
`404 Not Found`	The record doesn’t exist or isn’t visible to this credential
`409 Conflict`	The charge reference was already in use; or a dishonour fee can’t be charged in its current state
`410 Gone`	The resource no longer exists, e.g. a removed card or bank token
`422 Unprocessable Entity`	Billing: validation failed, or the record isn’t in a state that allows the action
`500 Internal Server Error`	An error occurred on the PayChoice server
`504 Gateway Timeout`	A transaction took longer than expected to process

Error body — payments (charges, tokens, refunds, webhooks)

{
  "error": {
    "message": "Error message here",
    "param": "400"
  },
  "object_type": "error",
  "from_item": 0,
  "to_item": 0,
  "total_count": 0
}

error.param is usually the HTTP status as a string; occasionally a status name such as "BadRequest". A declined charge (402) returns the normal charge envelope rather than this object.

Error body — Billing

Send Accept: application/json on every Billing request; without it, errors come back as HTML.

{
  "status": false,
  "code": 422,
  "messages": [
    { "message_text": "The email field is required.", "message_type": "error", "message_field": "email" }
  ],
  "message": "The given data was invalid."
}

status is false, code matches the HTTP status, messages has one item per problem (message_field on validation errors), and message is Unauthorized, Forbidden, Not Found, The given data was invalid. or the specific message for other errors.

Gateway error codes

Returned in error_code on charges, refunds and pre-authorisations, and in webhook payloads.

Visa & Mastercard

Code	Description
0	Transaction Approved
1	Refer to Issuer
2	Refer to Issuer, special
3	No Merchant
4	Pick Up Card
5	Do Not Honour
6	Error
7	Pick Up Card, Special
8	Honour With Identification
9	Request in Progress
10	Approved for Partial Amount
11	Approved, VIP
12	Invalid Transaction
13	Invalid Amount
14	Invalid Card Number
15	No Issuer
16	Approved
19	Re-enter Last Transaction
21	No Action Taken
22	Suspected Malfunction
23	Unacceptable Transaction Fee
25	Unable to Locate Record on File
30	Format Error
31	Bank Not Supported by Switch
33	Expired Card, Capture
34	Suspected Fraud, Retain Card
35	Card Acceptor, Contact Acquirer, Retain Card
36	Restricted Card, Retain Card
37	Contact Acquirer Security Department, Retain Card
38	PIN Tries Exceeded, Capture
39	No Credit Account
40	Function Not Supported
41	Lost Card
42	No Universal Account
43	Stolen Card
44	No Investment Account
51	Insufficient Funds
52	No Cheque Account
53	No Savings Account
54	Expired Card
55	Incorrect PIN
56	No Card Record
57	Function Not Permitted to Cardholder
58	Function Not Permitted to Terminal
59	Suspected Fraud
60	Acceptor Contact Acquirer
61	Exceeds Withdrawal Limit
62	Restricted Card
63	Security Violation
64	Original Amount Incorrect
66	Acceptor Contact Acquirer, Security
67	Capture Card
75	PIN Tries Exceeded
82	CVV Validation Error
90	Cutoff in Progress
91	Host or Switch Unavailable / Card Issuer Signed Off / Timed Out / Unavailable
92	Unable to Route Transaction
93	Cannot Complete, Violation of The Law
94	Duplicate Transaction
96	System Error

American Express

Code	Description
0	Approved
1	Approve with ID
2	Partial Approval (Prepaid Cards only)
100	Deny
101	Expired Card / Invalid Expiration Date
106	Exceeded PIN attempts
109	Invalid merchant
110	Invalid amount
111	Invalid account / Invalid MICR (Travelers Cheque)
115	Requested function not supported
116	Not Sufficient Funds
117	Invalid PIN
119	Cardmember not enrolled / not permitted
121	Limit Exceeded
122	Invalid card security code (CID, 4DBC, 4CSC)
125	Invalid effective date
130	Additional customer identification required
181	Format error
183	Invalid currency code
187	Deny - New card issued
189	Deny - Canceled or Closed Merchant/SE
190	National ID Mismatch
200	Deny - Pick up card
900	Accepted - ATC Synchronization
909	System Malfunction (Cryptographic Error)
912	Issuer not available
977	Invalid Payment Plan
978	Invalid Payment Times

​HTTP status codes

​Error body — payments (charges, tokens, refunds, webhooks)

​Error body — Billing

​Gateway error codes

HTTP status codes

Error body — payments (charges, tokens, refunds, webhooks)

Error body — Billing

Gateway error codes