Payoneer

Payment Pending

The payment or payout has been submitted and is awaiting processing. For Payoneer Checkout, the transaction is in progress but not yet confirmed. For mass payouts, the disbursement is queued for processing.

Payment Processing

The payment or payout is actively being processed by Payoneer's systems. For bank-linked payouts, the funds have been transferred but may still fail to reach the beneficiary bank account.

Payment Completed

The transaction has been successfully processed and funds have settled. For mass payouts, the money has been credited to the payee's Payoneer account. For bank withdrawals, the funds have been sent to the destination bank account.

Payment Cancelled

The transaction was cancelled before completion, either by the merchant, the payee, or due to a timeout. No funds were moved.

Under Review

The transaction has been flagged for compliance, KYC, or fraud review by Payoneer. Funds are held until the review is resolved. The payee may need to provide documentation.

Payment Returned

A disbursed payment was returned by the receiving bank (e.g., closed account, invalid account number, rejected by beneficiary bank). The funds will be returned to the sender's Payoneer balance.

Interaction: Proceed

Payoneer Checkout interaction code indicating the transaction was successfully completed or processed. The merchant should proceed with order fulfillment or the next step in the payment flow.

Strong Authentication Required

Payoneer Checkout interaction reason indicating the transaction requires Strong Customer Authentication (SCA/3DS). Re-initiate the payment with a 3DS challenge flow.

Compliance Hold

The transaction has been placed on hold due to compliance or regulatory requirements (e.g., sanctions screening, KYC). The account holder must provide required documentation to release the hold.

Payment Failed

The transaction could not be processed. For mass payouts, Payoneer did not create the payment object; a status lookup will return error 2306 (Payout not found). Review the specific error code for the failure reason.

Payment Returned

A disbursed payment was returned by the receiving bank (e.g., closed account, invalid account number, rejected by beneficiary bank). The funds will be returned to the sender's Payoneer balance.

Account Inactive

The payee's Payoneer account is inactive, preventing payment completion. Payoneer typically requires the payee to submit KYC documentation to reactivate. Pending payments will be re-queued once the account is reactivated.

Interaction: Abort

Payoneer Checkout interaction code indicating the transaction must be stopped, typically due to fraud risk detection or a hard decline. Do not allow further CHARGE or PAYOUT attempts in the same session. Risk of fraud detected.

Interaction: Retry

Payoneer Checkout interaction code indicating a recoverable decline. The customer may retry the payment with the same or a different payment method. Used for soft declines such as debit_declined.

Interaction: Try Other Network

Payoneer Checkout interaction code indicating the transaction failed on the current card network. The customer should try a different card network (e.g., switch from Visa to Mastercard or vice versa).

Interaction: Try Other Account

Payoneer Checkout interaction code indicating the specific card or account cannot be used for this transaction. The customer should try a different payment account or card.

Interaction: Reload

Payoneer Checkout interaction code indicating the payment page should be reloaded due to a session or configuration issue. The customer may retry after the reload.

Transaction Declined

The transaction was declined. As a return code (status), this indicates the payment was not authorized. As a reason code, it describes the specific cause of a RETRY interaction (e.g., debit card declined by issuer).

Strong Authentication Required

Payoneer Checkout interaction reason indicating the transaction requires Strong Customer Authentication (SCA/3DS). Re-initiate the payment with a 3DS challenge flow.

Fraud Risk Detected

The transaction was flagged or blocked due to a fraud risk assessment. Associated with the ABORT interaction code. Do not retry; no further attempts should be made in this session.

Invalid Reference

Payoneer Checkout return code: Invalid transaction or other unspecified reference. Verify the transaction ID or reference and retry.

Invalid Customer Registration Reference

Payoneer Checkout return code: Invalid customer registration reference. Verify the customer ID/registration token used in the request.

Payout Not Found

Payoneer Mass Payout API error: The requested payout was not found. In cases of failed payments, Payoneer does not create a payment object, so a Get Payout Status call returns this error. Verify the payment reference or check if the initial payout creation failed.

Unauthorized

The API request failed authentication. The API key, OAuth token, or credentials are invalid or missing. Verify credentials and retry.

Forbidden

The API caller is authenticated but does not have permission to perform the requested operation on the specified resource.

Resource Not Found

The requested resource (payment, payee, account) could not be found. Verify the resource ID or reference number.

Conflict / Duplicate

A conflict occurred, typically a duplicate transaction with the same reference number already exists. Use a unique reference for each transaction.

Unprocessable Entity

The request is syntactically valid but semantically incorrect (e.g., invalid payee status, amount exceeds limits, unsupported currency for the destination country).

Too Many Requests

The API rate limit has been exceeded. Implement exponential back-off and reduce request frequency before retrying.

Internal Server Error

An unexpected error occurred on Payoneer's server. Retry after a short delay. Contact Payoneer merchant support if the issue persists.

Invalid Payee

The payee account specified in the mass payout request is invalid, unregistered, or not approved to receive payments from this program. Verify the payee ID and approval status.

Payee Not Approved

The payee has not completed the Payoneer registration and approval process. Payments cannot be sent until the payee account is fully approved.

Currency Not Supported

The specified currency is not supported for the destination country or payee account type. Use a supported currency for the payout.

Amount Below Minimum

The payout amount is below the minimum threshold required for this transaction type or destination. Increase the amount to meet the minimum requirement.

Amount Above Maximum

The payout amount exceeds the maximum allowed for this transaction type, payee account, or program. Split the payout or contact Payoneer support to increase limits.

Insufficient Balance

The sending Payoneer account does not have sufficient balance to complete the payout. Top up the account balance before retrying.

Account Blocked

The payee's or sender's Payoneer account has been blocked due to compliance, risk, or policy violations. Contact Payoneer support for resolution.

Compliance Hold

The transaction has been placed on hold due to compliance or regulatory requirements (e.g., sanctions screening, KYC). The account holder must provide required documentation to release the hold.

Bank Transfer Failed

The withdrawal or bank transfer was initiated but failed at the receiving bank (e.g., invalid account number, bank routing error, account closed). The funds will typically be returned to the Payoneer balance within 5-10 business days.

Invalid Bank Account

The bank account details provided (account number, routing number, IBAN, or SWIFT/BIC) are invalid or do not match bank records. Verify and update the bank account information.