Payment Errors

Errors specific to the Payment Initiation product

PAYMENT_BLOCKED

The payment was blocked for violating compliance rules.
Common causes
Troubleshooting steps
API error response
http code 400
{
 "error_type": "PAYMENT_ERROR",
 "error_code": "PAYMENT_BLOCKED",
 "error_message": "payment blocked",
 "display_message": null,
 "request_id": "HNTDNrA8F1shFEW"
}

PAYMENT_CANCELLED

The payment was cancelled.
Sample user-facing error message
Payment cancelled: Try making your payment again or select a different bank to continue.
Common causes
  • The payment was cancelled by the user during the authorisation process
Troubleshooting steps
API error response
http code 400
{
 "error_type": "PAYMENT_ERROR",
 "error_code": "PAYMENT_CANCELLED",
 "error_message": "user cancelled the payment",
 "display_message": "Try making your payment again or select a different bank to continue.",
 "request_id": "HNTDNrA8F1shFEW"
}

PAYMENT_INSUFFICIENT_FUNDS

The account has insufficient funds to complete the payment.
Sample user-facing error message
Insufficient funds: There isn't enough money in this account to complete the payment. Try again, or select another account or bank.
Common causes
  • The account selected has insufficient funds to complete the payment.
Troubleshooting steps
API error response
http code 400
{
 "error_type": "PAYMENT_ERROR",
 "error_code": "PAYMENT_INSUFFICIENT_FUNDS",
 "error_message": "insufficient funds to complete the request",
 "display_message": "There isn't enough money in this account to complete the payment. Try again, or select another account or bank.",
 "request_id": "HNTDNrA8F1shFEW"
}

PAYMENT_INVALID_RECIPIENT

The recipient was rejected by the chosen institution.
Sample user-facing error message
Payment failed: Try making your payment again or select a different bank to continue.
Common causes
  • The recipient name is too long or contains special characters.
  • The address is too long or contains special characters.
  • The account number is invalid.
Troubleshooting steps
API error response
http code 400
{
 "error_type": "PAYMENT_ERROR",
 "error_code": "PAYMENT_INVALID_RECIPIENT",
 "error_message": "payment recipient invalid",
 "display_message": "The payment recipient is invalid for the selected institution. Create a new payment with a different recipient.",
 "request_id": "HNTDNrA8F1shFEW"
}

PAYMENT_INVALID_REFERENCE

The reference was rejected by the chosen institution.
Sample user-facing error message
Payment failed: Try making your payment again or select a different bank to continue.
Common causes
  • The reference is too long or contains special characters.
Troubleshooting steps
API error response
http code 400
{
 "error_type": "PAYMENT_ERROR",
 "error_code": "PAYMENT_INVALID_REFERENCE",
 "error_message": "payment reference invalid",
 "display_message": "The payment reference is invalid for the selected institution. Create a new payment with a different reference.",
 "request_id": "HNTDNrA8F1shFEW"
}

PAYMENT_INVALID_SCHEDULE

The schedule was rejected by the chosen institution.
Sample user-facing error message
Payment failed: Try making your payment again or select a different bank to continue.
Common causes
  • The chosen institution does not support negative payment execution days.
  • The first payment date is a holiday or on a weekend.
Troubleshooting steps
API error response
http code 400
{
 "error_type": "PAYMENT_ERROR",
 "error_code": "PAYMENT_INVALID_SCHEDULE",
 "error_message": "payment schedule invalid",
 "display_message": "The payment schedule is invalid for the selected institution. Create a new payment with a different schedule.",
 "request_id": "HNTDNrA8F1shFEW"
}

PAYMENT_REJECTED

The payment was rejected by the chosen institution.
Sample user-facing error message
Payment failed: Try making your payment again or select a different bank to continue.
Common causes
  • The amount was too large.
  • The payment was considered suspicious by the institution.
Troubleshooting steps
API error response
http code 400
{
 "error_type": "PAYMENT_ERROR",
 "error_code": "PAYMENT_REJECTED",
 "error_message": "payment rejected",
 "display_message": "The payment was rejected by the institution. Try again, or select another account or bank.",
 "request_id": "HNTDNrA8F1shFEW"
}

PAYMENT_SCHEME_NOT_SUPPORTED

The requested payment scheme is not supported by the chosen institution.
Sample user-facing error message
Payment failed: Try making your payment again or select a different bank to continue.
Common causes
Troubleshooting steps
API error response
http code 400
{
 "error_type": "PAYMENT_ERROR",
 "error_code": "PAYMENT_SCHEME_NOT_SUPPORTED",
 "error_message": "payment scheme not supported",
 "display_message": "The payment scheme is not supported by the institution. Either change scheme or select another institution.",
 "request_id": "HNTDNrA8F1shFEW"
}

PAYMENT_CONSENT_INVALID_CONSTRAINTS

The payment consent constraints are missing or not supported by the institution.
Sample user-facing error message
Payment failed: Try making your payment again or select a different bank to continue.
Common causes
Troubleshooting steps
API error response
http code 400
{
 "error_type": "PAYMENT_ERROR",
 "error_code": "PAYMENT_CONSENT_INVALID_CONSTRAINTS",
 "error_message": "payment consent constraints invalid",
 "display_message": "The payment consent constraints are missing or not supported by the institution. Either update constraints or select another institution.",
 "request_id": "HNTDNrA8F1shFEW"
}

PAYMENT_CONSENT_CANCELLED

The payment consent was cancelled.
Sample user-facing error message
Payment cancelled: Try making your payment again or select a different bank to continue.
Common causes
  • The payment consent was cancelled by the user during the authorisation process.
Troubleshooting steps
API error response
http code 400
{
 "error_type": "PAYMENT_ERROR",
 "error_code": "PAYMENT_CONSENT_CANCELLED",
 "error_message": "user cancelled the payment consent",
 "display_message": "Authorise your payment consent again or select a different bank to continue.",
 "request_id": "HNTDNrA8F1shFEW"
}