Transaction Failed Reasons

Below is a list of the most frequently encountered error messages returned by the bank gateway for each unsuccessful transaction.

The failure message for a transaction is returned in the failure_reason parameter within the responses of the Get Full Payment Details and Get Specific Transaction Details API endpoints

Failure Reason
Insufficient funds (Possible causes include attempting an online purchase that exceeds the credit card’s available limit.)
3DS authentication failed (Possible causes may include the user entering an incorrect password, the cardholder or card issuer not being enrolled in 3DS, or a technical issue with the issuing bank.).
The issuer bank has declined the transaction (Possible causes may include incorrect card details, insufficient funds, risk-related rejection, an expired or restricted card, or a card not enabled for online transactions.)
The transaction has been blocked from the gateway (Possible causes may include an unsupported card BIN, fraud detection measures, or security blocking rules.).
Transaction canceled
Session timeout
Wrong Security Code
The card is expired.
Denied by Risk
The card issuer doesn't respond.
Unspecified Failure