Paysafe Group

Transaction Completed

The payment or refund has been successfully processed and settled. No further action required.

Transaction Processing

The transaction has been received and is being processed asynchronously. Poll or await webhook confirmation before fulfilling orders.

Transaction Pending

The transaction is awaiting settlement or further processing, such as batch settlement or bank confirmation.

Transaction Failed

The transaction was not successful. Review the error code for the specific reason (e.g., decline, validation error).

Transaction Cancelled

The transaction or pending refund has been cancelled by the merchant or customer.

Transaction Held

The transaction has been placed on hold pending fraud review or risk management investigation.

Transaction Reversed

The authorization or payment has been reversed (voided). Funds will not settle or will be returned.

Invalid Card Number or Brand

An invalid card number, brand, or combination of card number and brand was submitted. Verify and re-enter card details. HTTP 400.

Zip Code Required for AVS

The zip/postal code must be provided for an AVS check request. HTTP 400.

Invalid CVV Value

An incorrect CVV value was submitted. Verify and re-enter the card security code. HTTP 400.

Expired Card (Validation)

An expired credit card number was submitted during validation. Verify the expiry date. HTTP 400.

AVS Check Failed

The request failed the AVS (Address Verification System) check. The amount may still have been reserved on the customer's card and will be released in 3–5 business days. Verify the billing address. HTTP 402.

Card Type Not Configured

The submitted card type is not configured on the merchant account. HTTP 402.

Declined by Issuing Bank

The request was declined by the issuing bank. The customer should contact their card issuer. HTTP 402.

Restricted Card

The issuing bank declined because the card is restricted. Contact the cardholder's credit card company for investigation. HTTP 402.

Invalid Expiry Date

The issuing bank declined because the credit card expiry date submitted is invalid. HTTP 402.

Credit Card Account Problem

The issuing bank declined due to problems with the credit card account (e.g., account closed, suspended). HTTP 402.

Unknown Bank Response

The issuing bank returned an unknown response. Contact the cardholder's credit card company. HTTP 402.

Manual Processing Required

The bank requested manual transaction processing by calling the cardholder's credit card company. HTTP 402.

Retrieve Card (Lost/Stolen)

The bank requested card retrieval – the card may be lost or stolen. Do not retry. HTTP 402.

Invalid Credit Card Number

An invalid credit card number was submitted. Verify and re-enter the card number. HTTP 402.

Retry Requested by Bank

The bank has requested that you retry the transaction. Implement a short delay before retrying. HTTP 402.

CVV Check Failed

The request failed the CVV check. The amount may still have been reserved on the customer's card and will be released in 3–5 business days. HTTP 402.

Retry (Bank Request)

The bank has requested a retry. Space out retry attempts per Paysafe's retry policy. HTTP 402.

Insufficient Funds

The card was declined due to insufficient funds. The customer should use a different payment method or fund their account. HTTP 402.

Card Activity Regulations Decline

The issuing bank declined due to its proprietary card activity regulations (e.g., velocity or usage rules). HTTP 402.

Transaction Not Permitted by Issuer

The issuing bank does not permit this transaction for the card. The customer should contact their bank. HTTP 402.

External Gateway Invalid Data

The external processing gateway reported invalid data. Verify request parameters and retry. HTTP 400.

Transaction Limit Exceeded

The external processing gateway reported that a limit has been exceeded. Do not retry. HTTP 402.

External Gateway System Error

The external processing gateway reported a system error. Retry the transaction. HTTP 502.

External Gateway Rejected

The external processing gateway rejected the transaction. Do not retry. Contact Technical Support. HTTP 402.

Unauthorized by External Gateway

The external processing gateway reported the transaction is unauthorized. Do not retry. HTTP 402.

Card in Negative Database

The card or email is in the issuer's or gateway's negative database. Do not retry. HTTP 402.

Exceeded PIN Attempts

The transaction was declined due to exceeded PIN tries. The customer should contact their bank. HTTP 402.

Invalid Issuer

The transaction was declined due to an invalid card issuer. HTTP 402.

Invalid Transaction

The transaction was declined because it is invalid. Do not retry without correcting parameters. HTTP 402.

Invalid Authentication Value

The transaction was declined due to an invalid authentication value (e.g., CAVV/3DS value mismatch). HTTP 402.

Request Type Not Permitted on Card

The transaction type is not permitted on this card. HTTP 402.

Declined – Timeout

The transaction was declined due to a timeout during authorization. Retry after a delay. HTTP 402.

Cryptographic Error

The transaction was declined due to a cryptographic error. Verify 3DS or tokenization parameters. HTTP 402.

Suspected Fraud

The transaction was declined due to suspected fraud by the issuing bank or processor. Do not retry. HTTP 402.

Cardholder Must Call Issuer

The issuer requires the cardholder to call them directly. Do not retry the transaction. HTTP 402.

SCA Required

The transaction was declined because Strong Customer Authentication (3DS) is required. Re-initiate the payment with 3DS challenge flow. HTTP 402.

Closed Customer Account

The transaction was declined because the customer's bank account is closed. HTTP 400.

Negative Database Match

The card number or email is in Paysafe's negative database. Do not retry. HTTP 402.

Risk Management Decline

The transaction was declined by Paysafe's Risk Management department. Do not retry. HTTP 402.

Issuer Will Never Approve

The issuer will never approve this transaction. Do not retry.

Cannot Approve at This Time

The issuer cannot approve at this time. Do not retry more than 10 times over 30 days.

Revalidate Payment Information

Revalidate payment information before retrying. Do not retry more than 10 times over 30 days.

Cardholder Must Contact Issuer

The cardholder needs to contact their issuer. Do not retry more than 10 times over 30 days.

Retry After 1 Hour

Retry this transaction after 1 hour.

Retry After 24 Hours

Retry this transaction after 24 hours.

Sanctions Score Threshold Exceeded

The transaction was declined because the sanctions scoring service score exceeded the applicable threshold value.

Approved

ISO response code 00: The transaction was approved by the issuer.

Do Not Honour

ISO response code 05: The issuing bank declined the transaction with a generic do-not-honor response.

Invalid PAN

ISO response code 14: The card primary account number (PAN) is invalid.

Lost Card

ISO response code 41: The card has been reported lost. Do not retry.

Stolen Card

ISO response code 43: The card has been reported stolen. Do not retry.

Non-Sufficient Funds

ISO response code 51: The card account does not have sufficient funds.

Expired Card

ISO response code 54: The card has expired.

Transaction Not Allowed

ISO response code 57: The transaction type is not allowed for this card.

Exceeds Withdrawal Limit

ISO response code 61: The transaction amount exceeds the card's withdrawal or purchase limit.

Restricted Card

ISO response code 62: The card has a restriction that prevents this transaction.

Exceeded PIN Tries

ISO response code 75: The allowable number of PIN entry attempts has been exceeded.

Fraud / Security Decline

ISO response code 83: The transaction was declined due to fraud or security concerns.

Request Destination Not Reachable

ISO response code 91: The issuer is not reachable. Retry after a delay.

System Error

ISO response code 96: Internal system error at the issuer or network. Retry after a delay.

Internal Server Error

An internal error occurred on Paysafe's platform. Contact Technical Support before retrying. Returned as HTTP 500.

External Gateway Error (Retry)

An error occurred with the external processing gateway. Retry the transaction. Returned as HTTP 502.

Internal Error (Retry)

An internal error occurred. Retry the transaction. Returned as HTTP 500.

External Gateway Error (Do Not Retry)

An error occurred with the external processing gateway. Do not retry. Contact Technical Support for more information. Returned as HTTP 500.

Transaction Type Not Enabled

The merchant account is not enabled for the submitted transaction type. Verify parameters and retry. HTTP 400.

Internal / Gateway Error (Retry)

An internal or gateway error occurred. Retry the transaction. Returned as HTTP 500/502.

Internal Error (Do Not Retry)

An internal error occurred. Do not retry. Contact Technical Support. HTTP 500.

Gateway Timeout

The external processing gateway timed out. Retry after a delay. HTTP 504.

Rate Limit Exceeded

The API call has been denied because it exceeded the permissible rate limit. Implement back-off and retry. HTTP 429.

Invalid Authorization ID for Settlement

An invalidly formatted Authorization ID was submitted for settlement. Verify the ID. HTTP 400.

Authorization Not Found for Settlement

The Authorization ID in the settlement request could not be found. HTTP 404.

Max Settlements Exceeded

The maximum number of settlements allowed for this authorization has been exceeded. HTTP 402.

Authorization Fully Settled or Cancelled

The authorization is either fully settled or cancelled. No further settlement actions are possible. HTTP 402.

Settlement Amount Exceeds Authorization

The requested settlement amount exceeds the remaining authorized amount. HTTP 402.

Authorization Expired for Settlement

The authorization you are attempting to settle has expired. HTTP 402.

Settlement Rejected by Gateway

The external processing gateway rejected the settlement. Do not retry. Contact Technical Support. HTTP 402.

Refund Exceeds Settlement Amount

The requested refund amount exceeds the remaining settlement amount. HTTP 402.

Max Refunds Exceeded

The maximum number of refunds allowed for this settlement has been exceeded. HTTP 402.

Settlement Fully Refunded

The settlement has already been fully refunded. No additional refunds are possible. HTTP 402.

Settlement Expired for Refund

The settlement you are attempting to refund has expired. HTTP 402.

Settlement Not Batched Yet

The settlement has not been batched yet. No settled funds are available for refund. Wait for batch settlement. HTTP 402.

Settlement Not Found for Refund

The settlement referenced by the transaction response ID cannot be found. Verify the ID. HTTP 400.

Merchant Account in Overdraft

The refund was not permitted because the merchant account is in overdraft. HTTP 402.

Exceeds Visa Credit Ratio

The requested refund amount exceeds the permissible Visa credit ratio. HTTP 402.

Transaction Cannot Be Cancelled

The transaction cannot be cancelled. It is no longer in a pending state (may already be completed). HTTP 402.

Concurrent Request Conflict

Another request is already being processed on the referenced transaction. Wait and use the confirmation number to check status. HTTP 402.

Purchase Return Authorization Declined

The purchase return authorization was declined by the issuing bank. HTTP 402.

Reversal Amount Exceeds Authorization

The requested void/reversal amount exceeds the remaining authorization amount. HTTP 402.

Authorization Already Settled

The authorization has already been settled. A void is not possible post-settlement. HTTP 402.

Reversal Not Supported for Card Type

The void (authorization reversal) is not supported for the card type used. HTTP 402.

Partial Void Not Supported

The external processing gateway does not support partial voids. The reversal amount must equal the original authorization. HTTP 402.

Void Could Not Be Completed

The void (authorization reversal) could not be completed due to a gateway error. HTTP 500.

Merchant Authentication Failed

Merchant account authentication failed. The store ID/password is invalid or the IP address is not authorized. Verify credentials. HTTP 401.

Invalid Currency Code

The submitted currency code is invalid or not supported for the merchant account. HTTP 400.

Invalid Amount

An invalid transaction amount was submitted. Verify the amount format and value. HTTP 400.

Merchant Account Not Found

The merchant account submitted with the request is invalid or cannot be found. Verify the account ID. HTTP 400.

Merchant Account Disabled

The merchant account is not enabled/disabled. Do not retry. Contact Technical Support. HTTP 400.

Transaction Declined

The transaction request has been declined. Verify the transaction details before retrying. HTTP 402.

Request Not Parsable

The request body is not parsable (malformed JSON or XML). Verify the request format. HTTP 400.

Duplicate Transaction

The transaction has already been processed. Duplicate merchant reference detected. HTTP 409.

Invalid Email Address

An invalid email address was submitted. Verify the format and retry. HTTP 400.

Invalid Zip/Postal Code

An invalid zip/postal code was submitted. Verify and retry. HTTP 400.

Merchant Account Not Configured for Transaction

The merchant account is not configured for the attempted transaction type. Contact Technical Support. HTTP 401.

Invalid or Missing Merchant Reference

The merchant reference number is missing, invalid, or exceeds the maximum permissible length. HTTP 400.

Merchant Account Configuration Error

An error occurred with the merchant account configuration. Contact Technical Support. HTTP 500.

Field Validation Error

A required field is missing or a field value does not match the expected format. Review fieldErrors in the response for details. HTTP 400.

Resource Not Found

The IDs specified in the URL do not correspond to values in the system. HTTP 404.

Unauthorized Access

The credentials provided do not have permission to access the requested data. HTTP 403.

Unsupported Accept Header

The 'Accept' header format in the request is not supported. Use application/json. HTTP 406.

Unsupported Content-Type

The 'Content-Type' header is in an unsupported format. Use application/json. HTTP 406.

Invalid URL

The client reached the application but the request could not be served due to an invalid URL. HTTP 404.

Credentials Expired

The authentication credentials provided have expired. Regenerate and use updated credentials. HTTP 401.

Credentials Disabled

The authentication credentials have been disabled. Contact Technical Support. HTTP 401.

Credentials Locked

The authentication credentials have been locked due to multiple failed authentication attempts. HTTP 401.

Invalid Authentication Credentials

The authentication credentials are invalid (e.g., invalid JWT, wrong API key). HTTP 401.

Missing Authentication Credentials

Required authentication credentials were not provided in the request. HTTP 401.

HTTP Method Not Supported

The HTTP method (e.g., PUT where only POST is accepted) is not supported for this endpoint. HTTP 405.

Invalid Payment Token

The payment token is invalid or the corresponding profile or credit card is not active. HTTP 400.

No Active Credit Card on Profile

The profile does not have an active credit card. Add or activate a card before retrying. HTTP 400.

No Child Accounts for Load Balancing

The transaction could not be processed because the merchant account has no available child accounts for load balancing. Contact Technical Support. HTTP 500.

3DS Enrollment Check Failed (N)

3D Secure enrollment check failed – the card is not enrolled (status N). The merchant must decide whether to proceed without 3DS.

3DS Enrollment Check Failed (U)

3D Secure enrollment check failed – enrollment status is unknown (U). The merchant may proceed without 3DS at their own risk.

3DS Service Failed

The 3D Secure service returned a FAILED status. Retry or fall back to a non-3DS flow if supported.

3DS Risk Rule Failed (N)

The 3DS risk rule failed – the authentication result is N (Not Authenticated). Do not proceed with the transaction.

Third Party 3DS Service Error

The third-party 3DS service threw an error. Retry the 3DS authentication flow.

3DS Challenge Result N

After the 3DS challenge/OTP flow, the threeDResult is N (Not Authenticated). Do not process the transaction.

Unsupported Payment Type / Currency Combination

The submitted payment type and currency code combination is not supported for the merchant account. HTTP 400.