Skip to main content
Every decline, error, and validation failure SmartRetry produces carries one of the codes below. You encounter this catalog in two places:
Branch your integration logic on the code itself, not on its name or description text. Human-readable fields may change without notice.
Codes are grouped below by domain — see Transaction status for what each domain represents.

The full set of status-reason codes a transaction can carry, as reason_code on error responses and as status.reasonCode/status.reason on transaction status responses. Codes are grouped by domain below.

System

Internal platform, infrastructure, or configuration issues.

Payer account

External decisions or restrictions from the payer's account provider (issuer).

Risk

Internal fraud and risk decisions enforced by the platform.

Processor

External errors or outcomes from the payment processor or acquirer.

Payment method

External issues related to the payment method or scheme.

Authentication

External customer authentication flows (e.g. 3DS, SCA).

Validation

Internal request validation and input checks performed by the platform.

Routing

Internal routing and provider selection logic.

Available options:
SYSTEM/SUCCESSFUL,
SYSTEM/PROCESSING,
SYSTEM/CREATED,
SYSTEM/TIMEOUT,
SYSTEM/INTERNAL_ERROR,
SYSTEM/UNKNOWN,
SYSTEM/PARTIAL_APPROVAL,
SYSTEM/ZERO_AMOUNT_AUTHORIZATION_ONLY,
VALIDATION/INVALID_FIELD,
VALIDATION/INVALID_FIELD/SHIPPING_ADDRESS_LINE_1,
VALIDATION/INVALID_FIELD/SHIPPING_ADDRESS_LINE_2,
VALIDATION/INVALID_FIELD/SHIPPING_APARTMENT_SUITE,
VALIDATION/INVALID_FIELD/SHIPPING_FLOOR,
VALIDATION/INVALID_FIELD/SHIPPING_ENTRANCE_NUMBER,
VALIDATION/INVALID_FIELD/SHIPPING_BUILDING_NUMBER,
VALIDATION/INVALID_FIELD/SHIPPING_STREET_NAME,
VALIDATION/INVALID_FIELD/SHIPPING_POSTAL_CODE,
VALIDATION/INVALID_FIELD/SHIPPING_CITY,
VALIDATION/INVALID_FIELD/SHIPPING_STATE_PROVINCE,
VALIDATION/INVALID_FIELD/SHIPPING_COUNTRY,
VALIDATION/INVALID_FIELD/PAYER_ADDRESS_LINE_1,
VALIDATION/INVALID_FIELD/PAYER_ADDRESS_LINE_2,
VALIDATION/INVALID_FIELD/PAYER_APARTMENT_SUITE,
VALIDATION/INVALID_FIELD/PAYER_FLOOR,
VALIDATION/INVALID_FIELD/PAYER_ENTRANCE_NUMBER,
VALIDATION/INVALID_FIELD/PAYER_BUILDING_NUMBER,
VALIDATION/INVALID_FIELD/PAYER_STREET_NAME,
VALIDATION/INVALID_FIELD/PAYER_POSTAL_CODE,
VALIDATION/INVALID_FIELD/PAYER_CITY,
VALIDATION/INVALID_FIELD/PAYER_STATE_PROVINCE,
VALIDATION/INVALID_FIELD/PAYER_COUNTRY,
VALIDATION/INVALID_FIELD/PAYMENT_INSTRUMENT_IDENTIFIER,
VALIDATION/INVALID_FIELD/PAYMENT_CARD_NUMBER,
VALIDATION/INVALID_FIELD/PAYMENT_CARD_SECURITY_CODE,
VALIDATION/INVALID_FIELD/PAYMENT_CARD_EXPIRY_MONTH,
VALIDATION/INVALID_FIELD/PAYMENT_CARD_EXPIRY_YEAR,
VALIDATION/INVALID_FIELD/PAYMENT_CARD_PIN,
VALIDATION/INVALID_FIELD/PAYER_FULL_NAME,
VALIDATION/INVALID_FIELD/PAYER_FIRST_NAME,
VALIDATION/INVALID_FIELD/PAYER_LAST_NAME,
VALIDATION/INVALID_FIELD/PAYER_IDENTITY,
VALIDATION/INVALID_FIELD/PAYER_EMAIL,
VALIDATION/INVALID_FIELD/PAYER_PHONE,
VALIDATION/INVALID_FIELD/PAYER_BIRTHDATE,
VALIDATION/INVALID_FIELD/3DS_CAVV,
VALIDATION/INVALID_FIELD/3DS_PROTOCOL_VERSION,
VALIDATION/INVALID_FIELD/3DS_DIRECTORY_SERVER_ID,
VALIDATION/INVALID_FIELD/3DS_ACS_TRANSACTION_ID,
VALIDATION/INVALID_FIELD/IP_ADDRESS,
VALIDATION/INVALID_FIELD/PAYMENT_TOKEN,
VALIDATION/INVALID_FIELD/CURRENCY,
VALIDATION/INVALID_FIELD/AMOUNT,
VALIDATION/INVALID_FIELD/ORDER_DESCRIPTION,
VALIDATION/INVALID_FIELD/ORDER_ID_REFERENCE,
VALIDATION/INVALID_FIELD/TRANSACTION_DESCRIPTION,
VALIDATION/INVALID_FIELD/TRANSACTION_ID_REFERENCE,
VALIDATION/INVALID_FIELD/MERCHANT_TRANSACTION_ID,
VALIDATION/INVALID_FIELD/MERCHANT_ORDER_ID,
VALIDATION/INVALID_FIELD/TERMINAL,
VALIDATION/INVALID_FIELD/RECURRING_DATE_TYPE,
VALIDATION/INVALID_FIELD/RECURRING_FIRST_PAYMENT_DATE,
VALIDATION/INVALID_FIELD/RECURRING_TIME_INTERVAL,
VALIDATION/INVALID_FIELD/RECURRING_NUMBER_OF_PAYMENTS,
VALIDATION/INVALID_FIELD/RECURRING_CANCELLATION_DATE,
VALIDATION/INVALID_FIELD/CARD_NUMBER,
VALIDATION/INVALID_FIELD/PAYMENT_INSTRUMENT_TOKEN,
VALIDATION/INVALID_FIELD/FUTURE_TRANSACTION_SCHEDULED_DATE,
VALIDATION/INVALID_FIELD/PAYER,
VALIDATION/INVALID_FIELD/TERMINAL_MERCHANT_ID,
VALIDATION/MISSING_FIELD,
VALIDATION/MISSING_FIELD/SHIPPING_ADDRESS_LINE_1,
VALIDATION/MISSING_FIELD/SHIPPING_ADDRESS_LINE_2,
VALIDATION/MISSING_FIELD/SHIPPING_APARTMENT_SUITE,
VALIDATION/MISSING_FIELD/SHIPPING_FLOOR,
VALIDATION/MISSING_FIELD/SHIPPING_ENTRANCE_NUMBER,
VALIDATION/MISSING_FIELD/SHIPPING_BUILDING_NUMBER,
VALIDATION/MISSING_FIELD/SHIPPING_STREET_NAME,
VALIDATION/MISSING_FIELD/SHIPPING_POSTAL_CODE,
VALIDATION/MISSING_FIELD/SHIPPING_CITY,
VALIDATION/MISSING_FIELD/SHIPPING_STATE_PROVINCE,
VALIDATION/MISSING_FIELD/SHIPPING_COUNTRY,
VALIDATION/MISSING_FIELD/PAYER_ADDRESS_LINE_1,
VALIDATION/MISSING_FIELD/PAYER_ADDRESS_LINE_2,
VALIDATION/MISSING_FIELD/PAYER_APARTMENT_SUITE,
VALIDATION/MISSING_FIELD/PAYER_FLOOR,
VALIDATION/MISSING_FIELD/PAYER_ENTRANCE_NUMBER,
VALIDATION/MISSING_FIELD/PAYER_BUILDING_NUMBER,
VALIDATION/MISSING_FIELD/PAYER_STREET_NAME,
VALIDATION/MISSING_FIELD/PAYER_POSTAL_CODE,
VALIDATION/MISSING_FIELD/PAYER_CITY,
VALIDATION/MISSING_FIELD/PAYER_STATE_PROVINCE,
VALIDATION/MISSING_FIELD/PAYER_COUNTRY,
VALIDATION/MISSING_FIELD/PAYMENT_INSTRUMENT_IDENTIFIER,
VALIDATION/MISSING_FIELD/PAYMENT_CARD_NUMBER,
VALIDATION/MISSING_FIELD/PAYMENT_CARD_SECURITY_CODE,
VALIDATION/MISSING_FIELD/PAYMENT_CARD_EXPIRY_MONTH,
VALIDATION/MISSING_FIELD/PAYMENT_CARD_EXPIRY_YEAR,
VALIDATION/MISSING_FIELD/PAYMENT_CARD_PIN,
VALIDATION/MISSING_FIELD/PAYMENT_CARD_HOLDER_NAME,
VALIDATION/MISSING_FIELD/PAYER_FULL_NAME,
VALIDATION/MISSING_FIELD/PAYER_FIRST_NAME,
VALIDATION/MISSING_FIELD/PAYER_LAST_NAME,
VALIDATION/MISSING_FIELD/PAYER_IDENTITY,
VALIDATION/MISSING_FIELD/PAYER_EMAIL,
VALIDATION/MISSING_FIELD/PAYER_PHONE,
VALIDATION/MISSING_FIELD/PAYER_BIRTHDATE,
VALIDATION/MISSING_FIELD/3DS_CAVV,
VALIDATION/MISSING_FIELD/3DS_PROTOCOL_VERSION,
VALIDATION/MISSING_FIELD/3DS_DIRECTORY_SERVER_ID,
VALIDATION/MISSING_FIELD/3DS_ACS_TRANSACTION_ID,
VALIDATION/MISSING_FIELD/IP_ADDRESS,
VALIDATION/MISSING_FIELD/PAYMENT_TOKEN,
VALIDATION/MISSING_FIELD/CURRENCY,
VALIDATION/MISSING_FIELD/AMOUNT,
VALIDATION/MISSING_FIELD/RECURRING_FUTURE_AMOUNT,
VALIDATION/MISSING_FIELD/FUTURE_TRANSACTION_AMOUNT,
VALIDATION/MISSING_FIELD/ORDER_DESCRIPTION,
VALIDATION/MISSING_FIELD/ORDER_ID_REFERENCE,
VALIDATION/MISSING_FIELD/TRANSACTION_DESCRIPTION,
VALIDATION/MISSING_FIELD/TRANSACTION_ID_REFERENCE,
VALIDATION/MISSING_FIELD/MERCHANT_TRANSACTION_ID,
VALIDATION/MISSING_FIELD/MERCHANT_ORDER_ID,
VALIDATION/MISSING_FIELD/TERMINAL,
VALIDATION/MISSING_FIELD/RECURRING_DATE_TYPE,
VALIDATION/MISSING_FIELD/RECURRING_FIRST_PAYMENT_DATE,
VALIDATION/MISSING_FIELD/RECURRING_TIME_INTERVAL,
VALIDATION/MISSING_FIELD/RECURRING_NUMBER_OF_PAYMENTS,
VALIDATION/MISSING_FIELD/RECURRING_CANCELLATION_DATE,
VALIDATION/MISSING_FIELD/RECURRING_MANAGED_BY,
VALIDATION/MISSING_FIELD/CARD_NUMBER,
VALIDATION/MISSING_FIELD/PAYER_INFORMATION,
VALIDATION/MISSING_FIELD/PAYMENT_INSTRUMENT,
VALIDATION/MISSING_FIELD/FUTURE_TRANSACTION,
VALIDATION/UNKNOWN_FIELD,
VALIDATION/REFUND_AMOUNT_EXCEEDED,
VALIDATION/CAPTURE_AMOUNT_EXCEEDED,
VALIDATION/REFUND_NOT_ALLOWED_CHARGEBACK,
VALIDATION/ALREADY_FULLY_CAPTURED,
VALIDATION/CAPTURE_NOT_ALLOWED_VOIDED,
VALIDATION/TRANSACTION_ALREADY_VOIDED,
VALIDATION/ORIGINAL_TRANSACTION_NOT_APPROVED,
VALIDATION/PUBLIC_IP_REQUIRED,
VALIDATION/SHIPPING_LINE_2_REQUIRES_LINE_1,
VALIDATION/SHIPPING_LINE_1_NOT_ALLOWED,
VALIDATION/SHIPPING_MIN_ADDRESS_NOT_PROVIDED,
VALIDATION/PAYER_LINE_2_REQUIRES_LINE_1,
VALIDATION/PAYER_LINE_1_NOT_ALLOWED,
VALIDATION/PAYER_MIN_ADDRESS_NOT_PROVIDED,
VALIDATION/UNAUTHORIZED_PAYMENT_METHOD,
VALIDATION/UNAUTHORIZED_CURRENCY,
VALIDATION/UNRECOGNIZED_PAYMENT_INSTRUMENT,
VALIDATION/INVALID_AMOUNT,
VALIDATION/UNSUPPORTED_TRANSACTION_TYPE,
VALIDATION/UNRECOGNIZED_PAYMENT_INSTRUMENT/CARD_BIN,
VALIDATION/API_KEY_ENVIRONMENT_MISMATCH,
VALIDATION/MISSING_CREDENTIALS,
VALIDATION/INVALID_CREDENTIALS,
VALIDATION/INVALID_TRANSACTION_TYPE_FOR_REFUND,
VALIDATION/FULL_REFUND_ALREADY_PROCESSED,
VALIDATION/CURRENCY_DID_NOT_MATCH_REFERENCED_TRANSACTION_CURRENCY,
VALIDATION/ORDER_ID_DID_NOT_MATCH_REFERENCED_TRANSACTION_ORDER_ID,
VALIDATION/INVALID_TRANSACTION_TYPE_FOR_VOID,
VALIDATION/INVALID_TRANSACTION_TYPE_FOR_CAPTURE,
VALIDATION/TRANSACTION_NOT_APPROVED,
VALIDATION/TRANSACTION_NOT_FOUND,
VALIDATION/INVALID_SCHEDULED_DATE,
VALIDATION/INVALID_START_DATE,
VALIDATION/TERMINAL_MERCHANT_ACCOUNT_NOT_FOUND,
VALIDATION/RECURRING_NOT_MANAGED_BY_MERCHANT,
VALIDATION/FUTURE_TRANSACTION_NOT_FOUND,
VALIDATION/INVALID_IDEMPOTENCY_KEY,
VALIDATION/INVALID_FLOW_STATE,
VALIDATION/RETRY_REQUEST_MISMATCH,
VALIDATION/FUTURE_TRANSACTION_AMOUNT_INVALID,
VALIDATION/RECURRING_ID_DID_NOT_MATCH_REFERENCED_FUTURE_TRANSACTION,
VALIDATION/FUTURE_TRANSACTION_ALREADY_EXECUTED,
VALIDATION/FUTURE_TRANSACTION_ALREADY_CANCELLED,
VALIDATION/RECURRING_ALREADY_CANCELLED,
VALIDATION/RECURRING_NOT_ACTIVE,
VALIDATION/RECURRING_NOT_READY,
VALIDATION/RECURRING_NOT_FOUND,
VALIDATION/UNSUPPORTED_PROVIDER_TRANSACTION_LOOKUP,
VALIDATION/INVALID_PROVIDER_TRANSACTION_CURRENCY,
VALIDATION/UNSUPPORTED_PROVIDER_INTERACTION_IMPORT,
AUTH/DECLINED,
AUTH/INVALID_PROVIDER_RESPONSE,
AUTH/3DS_REDUCED_CONFIDENCE,
AUTH/3DS_HOLDER_NOT_ENROLLED,
AUTH/3DS_EXCEEDS_FREQUENCY_LIMIT,
AUTH/3DS_UNSUPPORTED_OR_UNKNOWN_DEVICE,
AUTH/INITIATED,
AUTH/3DS_TECHNICAL_ERROR,
AUTH/3DS_AUTHENTICATION_TIMEOUT,
AUTH/3DS_IN_PROGRESS,
AUTH/3DS_CHALLENGE_FAILED,
AUTH/3DS_AUTHENTICATION_UNAVAILABLE,
AUTH/MANUAL_AUTHENTICATION_REQUIRED,
RISK/DECLINED,
RISK/BLOCK_LISTED,
RISK/VELOCITY_BLOCKED,
RISK/NO_ELIGIBLE_MERCHANT_ACCOUNTS,
PROCESSOR/DECLINED,
PROCESSOR/INVALID_RESPONSE,
PROCESSOR/NO_ACCOUNT_RECORD,
PROCESSOR/TIMEOUT,
PROCESSOR/VALIDATION_INVALID_FIELD,
PROCESSOR/VALIDATION_MISSING_FIELD,
PROCESSOR/PRE_CHECK_MISSING_FIELD,
PROCESSOR/PRE_CHECK_MISSING_FIELD/AMOUNT,
PROCESSOR/PRE_CHECK_MISSING_FIELD/CURRENCY,
PROCESSOR/PRE_CHECK_MISSING_FIELD/PAYMENT_CARD_NUMBER,
PROCESSOR/PRE_CHECK_MISSING_FIELD/PAYMENT_CARD_EXPIRY_MONTH,
PROCESSOR/PRE_CHECK_MISSING_FIELD/PAYMENT_CARD_EXPIRY_YEAR,
PROCESSOR/PRE_CHECK_MISSING_FIELD/PAYMENT_CARD_SECURITY_CODE,
PROCESSOR/PRE_CHECK_MISSING_FIELD/PAYMENT_CARD_HOLDER_NAME,
PROCESSOR/PRE_CHECK_INVALID_FIELD,
PROCESSOR/PRE_CHECK_INVALID_FIELD/CURRENCY,
PROCESSOR/RISK,
PROCESSOR/NO_STATUS_RETURNED,
PROCESSOR/UNSUPPORTED_TRANSACTION_TYPE,
PROCESSOR/ZERO_VALUE_AUTH_NOT_SUPPORTED,
PAYER_ACCOUNT/TRANSACTION_REJECTED_AS_INVALID,
PAYER_ACCOUNT/REENTER_TRANSACTION,
PAYER_ACCOUNT/NO_ACTION_TAKEN,
PAYER_ACCOUNT/RECORD_NOT_FOUND,
PAYER_ACCOUNT/TEMPORARILY_UNAVAILABLE,
PAYER_ACCOUNT/EXCEEDS_PREAUTHORIZED_AMOUNT,
PAYER_ACCOUNT/INVALID_ACCOUNT_IDENTIFIER,
PAYER_ACCOUNT/INVALID_ACCOUNT_IDENTIFIER/CARD_NUMBER,
PAYER_ACCOUNT/NOT_PERMITTED_TO_HOLDER,
PAYER_ACCOUNT/SECURITY_VIOLATION,
PAYER_ACCOUNT/INVALID_SECURITY_CODE,
PAYER_ACCOUNT/INVALID_SECURITY_CODE/CARD_SECURITY_CODE,
PAYER_ACCOUNT/INVALID_EXPIRY_DATE,
PAYER_ACCOUNT/INVALID_EXPIRY_DATE/CARD_EXPIRY_DATE,
PAYER_ACCOUNT/INVALID_EFFECTIVE_DATE,
PAYER_ACCOUNT/INVALID_EFFECTIVE_DATE/CARD_EFFECTIVE_DATE,
PAYER_ACCOUNT/INSTRUMENT_REPLACED,
PAYER_ACCOUNT/INSTRUMENT_REPLACED/REPLACED_CARD,
PAYER_ACCOUNT/CARD_ACTIVATION_REQUIRED,
PAYER_ACCOUNT/CARD_LIFECYCLE_DECLINE,
PAYER_ACCOUNT/INVALID_AMOUNT,
PAYER_ACCOUNT/EXCEEDS_CUMULATIVE_AMOUNT_LIMIT,
PAYER_ACCOUNT/INVALID_INSTALLMENT_PLAN,
PAYER_ACCOUNT/INVALID_INSTALLMENT_COUNT,
PAYER_ACCOUNT/RELATED_TRANSACTION_LOCKED,
PAYER_ACCOUNT/CASH_BACK_NOT_ALLOWED,
PAYER_ACCOUNT/CANCELLED,
PAYER_ACCOUNT/INSUFFICIENT_FUNDS,
PAYER_ACCOUNT/LOST_INSTRUMENT,
PAYER_ACCOUNT/LOST_INSTRUMENT/LOST_CARD,
PAYER_ACCOUNT/STOLEN_INSTRUMENT,
PAYER_ACCOUNT/STOLEN_INSTRUMENT/STOLEN_CARD,
PAYER_ACCOUNT/INSTRUMENT_NOT_AVAILABLE,
PAYER_ACCOUNT/CONTACT_PAYER_PAYMENT_PROVIDER,
PAYER_ACCOUNT/CONTACT_PAYER_PAYMENT_PROVIDER/REFER_TO_CARD_ISSUER,
PAYER_ACCOUNT/DO_NOT_HONOR,
PAYER_ACCOUNT/PICKUP_CARD,
PAYER_ACCOUNT/NO_CREDIT_ACCOUNT,
PAYER_ACCOUNT/NO_CHECKING_ACCOUNT,
PAYER_ACCOUNT/NO_SAVINGS_ACCOUNT,
PAYER_ACCOUNT/INCORRECT_PIN,
PAYER_ACCOUNT/PIN_TRIES_EXCEEDED,
PAYER_ACCOUNT/PIN_MANAGEMENT_DENIED,
PAYER_ACCOUNT/PIN_REQUIRED,
PAYER_ACCOUNT/PIN_VERIFICATION_ERROR,
PAYER_ACCOUNT/OFFLINE_PIN_REQUIRED,
PAYER_ACCOUNT/EXCEEDS_AMOUNT_LIMIT,
PAYER_ACCOUNT/EXCEEDS_WITHDRAWAL_FREQUENCY_LIMIT,
PAYER_ACCOUNT/RESTRICTED_CARD,
PAYER_ACCOUNT/DOMESTIC_DEBIT_NOT_ALLOWED,
PAYER_ACCOUNT/INVALID_DESTINATION_ACCOUNT,
PAYER_ACCOUNT/INVALID_SOURCE_ACCOUNT,
PAYER_ACCOUNT/ACCOUNT_CLOSED,
PAYER_ACCOUNT/CARD_BLOCKED,
PAYER_ACCOUNT/STOP_PAYMENT_ORDER,
PAYER_ACCOUNT/AUTHORIZATION_REVOKED,
PAYER_ACCOUNT/SUSPECTED_FRAUD,
PAYER_ACCOUNT/DUPLICATE_TRANSACTION,
PAYER_ACCOUNT/OPERATION_NOT_ALLOWED_UNAUTHENTICATED_ORIGINAL,
PAYER_ACCOUNT/STRONG_AUTHENTICATION_REQUIRED,
PAYMENT_METHOD/ALREADY_REVERSED,
PAYMENT_METHOD/INELIGIBLE_FOR_RESUBMISSION,
PAYMENT_METHOD/DECLINED,
PAYMENT_METHOD/NOT_ALLOWED_AT_TERMINAL,
PAYMENT_METHOD/INVALID_MERCHANT,
PAYMENT_METHOD/UNABLE_TO_ROUTE_OR_AUTHORIZE,
PAYMENT_METHOD/INVALID_PROVIDER_RESPONSE,
PAYMENT_METHOD/SYSTEM_ERROR,
PAYMENT_METHOD/ROUTING_ERROR,
PAYMENT_METHOD/AML_VIOLATION,
PAYMENT_METHOD/NETWORK_TOKEN_SERVICE_ERROR,
PAYMENT_METHOD/NETWORK_TOKEN_UNAVAILABLE,
PAYMENT_METHOD/VIOLATION_OF_LAW,
PAYMENT_METHOD/SURCHARGE_NOT_ALLOWED,
PAYMENT_METHOD/AUTHORIZING_INSTITUTION_NOT_FOUND,
PAYMENT_METHOD/AUTHORIZING_INSTITUTION_NOT_FOUND/ISSUER,
PAYMENT_METHOD/INVALID_TRANSACTION_FORMAT,
ROUTING/REFUND_PENDING_APPROVAL,
ROUTING/MID_INVALID_OR_INACTIVE,
ROUTING/RECORD_NOT_FOUND,
ROUTING/RESOURCE_LOCKED,
ROUTING/IDEMPOTENCY_CONFLICT,
ROUTING/TERMINAL_RESOURCE_ACCESS_DENIED,
ROUTING/PROVIDER_NOT_FOUND,
ROUTING/PROVIDER_HANDLER_MISSING,
ROUTING/INVALID_TRANSACTION,
ROUTING/NOT_SUPPORTED,
ROUTING/PROCESSING_ERROR,
ROUTING/NO_MERCHANT_ACCOUNTS_TO_ROUTE,
ROUTING/NO_MERCHANT_ACCOUNT_SELECTED
Example: