Payment Page

Error Code	Description
P01	Timeout
P02	Your transaction has been denied due to merchant account issue. Payment channel is not available for merchant.
P03	Your payment info format is not correct! Incorrect security hash string, check “vcode”.
P04	Not allow to process. Incomplete buyer information, check bill_name, bill_mobile, bill_email, orderid, faked mobile such as 0123456789 will be blocked as well.
P05	Payment gateway not found. Invalid payment gateway file or channel code.
P06	System is busy now, temporarily out of services. Please try again later.
P07	Access Denied. Requestor is not authorized. Merchant URL is not allowed to process payment or not yet registered with PG.
P08	Invalid referral
P09	Duplicate payment is not allowed for this merchant. Payment with same order ID and amount is not allowed to capture twice. Cash payment is not allowed to be requested twice.
P10	Sorry, Your Credit Card Number or CVV or expiration date is not valid
P11	Amount return from bank does not match with PG system.
P12	Signature from bank does not match.
P13	Currency not supported.
P14	Transaction amount must more than CUR XXX.XX.
P15	Transaction amount must less than CUR XXX.XX.
P16	Invalid subMerchantID
P17	Unable to retrieve the currency exchange rate
P18	Empty currency rate
P19	Invalid Order ID
P21	Massive errors detected from the same IP address
P22	Massive errors detected from the same IP address
P33	System is busy
P44	Bill description format incorrect
P45	Subtotal amount does not match with bill amount
P46	Merchant is not allowed to use this payment method
P47	Bank under maintenance
P48	TxnType is not supported for this channel
P49	Original TransactionID/SchemeID not found
P50	Card not eligible for installment plan
P51	Only debit card is allowed for this payment.
P52	Invalid customer ID
P53	Transaction rejected due to card expired.
P54	Transaction rejected due to exceeded attempt limit in this month. Please try again next month.
P55	Card type is not supported.
P56	Invalid payment expiration time
P57	Invalid parameter format for metadata, must be in JSON format
P58	Merchant rejects Country IP address
P59	Country issued card is rejected by merchant
P60	Country issued card/IP address is rejected by merchant
P61	Country issued card and IP does not match
P62	Merchant blacklists Country IP address
P403	Invalid payment URL
P404	Invalid merchant ID
P409	Duplicate request is not allowed
P990	Sorry, we are not able to process your request now. You may close this window.
P991	System temporarily not available due to security issue
P992	Sorry, no matching transaction or profile detail found for the return_url.
P993	Sorry, the return url does not match with the transaction or profile.
P1813	URL is not allowed
R01	Error in payment process due to empty key
T01	Tokenization error
01	Unsuccessful. Timeout due to user did not authorize the payment
33	Transaction declined as the payment window has expired
34	Transaction refunded or voided due to success payment exceeding payment window
36	Transaction voided via VoidPendingNonCash API
99	Record not found. Timeout due to user did not proceed with the payment
E99	Exception occurred during the transaction
999	Transaction is blocked. Due to one of the reasons: country restriction, blacklist, exceeds transaction limit

3DS Error

Error Code	Description
P3011	This merchant only allows 3DS card
P3089	Invalid 3DS request
P3099	Card not authorized or invalid BIN
MD2310	Rejected due to non-3DS (a feature of PG to block non-3DS transaction)
3000	Transaction end with not successful status
3001	Card authentication failed
3002	Unknown Device
3003	Unsupported Device
3004	Exceeds authentication frequency limit
3005	Expired card
3006	Invalid card number
3007	Invalid transaction
3008	No Card record
3009	Security failure
3010	Stolen card
3011	Suspected fraud
3012	Transaction not permitted to cardholder
3013	Cardholder not enrolled in service
3014	Transaction timed out at the ACS
3015	Low confidence
3016	Medium confidence
3017	High confidence
3018	Very High confidence
3019	Exceeds ACS maximum challenges
3020	Non-Payment transaction not supported
3021	3RI transaction not supported
3022	ACS technical issue
3023	Decoupled Authentication required by ACS but not requested by 3DS Requestor
3024	3DS Requestor Decoupled Max Expiry Time exceeded
3025	Decoupled Authentication was provided insufficient time to authenticate cardholder. ACS will not make attempt
3026	Authentication attempted but not performed by the cardholder.
4000	Transaction has timeout
5000	Transaction ended with exception happened at 3DS Server
6000	Transaction ended with Error Message is raised from one of the 3D participants
7000	3DS Server received an invalid Authentication Request

Payment Status Query (PSQ) Error

Different query status API uses different standard error code due to legacy reasons. Developer may group these error codes based on the grouping in the following table:

● Direct Status Requery API - 5 digit number . For e.g. : Q00001,Q00002.

● Indirect Status Requery API 2 - 3 digit number. For e.g.: Q01, Q02, Q203

Error Code	Description
Q01 / Q00001	Missing Required Parameter (parameter_name).
Q02 / Q00002	Invalid Parameter Value (parameter_name).
Q03 / Q00007	System is busy now, temporarily out of services. Please try again later.
Q04 / Q00003	Merchant info not found.
Q05	Send result to merchant URL failed.
Q06	Query period expired. No result is available for transaction more than 7 days.
Q07	Exceeded the maximum limit of tIDs or oIDs of 10.
Q00008	Error encountered due to external service disruption. Kindly retry.
Q99	Service blocked due to massive connection. Please send only 1 request every 5 minutes.
Q101 / Q201 / Q00004	Correct skey with invalid data
Q00004 / Q102 / Q202 / Q302 / Q402 / Q502	Incorrect skey
Q203 / Q303 / Q00005	Transaction record not found
Q204	Incorrect amount
Q401	Delimiter error

Error in Merchant Admin

Error Code	Description
M0001	Inactive merchant account
M0002	Frozen merchant account
M0003	Merchant account has been purged
M0098	Invalid merchant ID
M0099	Unable to process the request
M1007	Invalid bank account number
M1008	Invalid email
M1009	Invalid bank account number & email

Error Codes from Payment Channel

PG will add the following prefix to all card and certain internet banking error codes.

Credit Card (CyberSource, MPGS, etc.)	CC_
FPX Internet Banking	FPX_

Prepaid/Debit/Credit Card (Visa/MasterCard) — Host Error

Error Code	Description
71	PIN not changed
74	Different value than that used for PIN encryption errors
75	Allowable number of PIN-entry tries exceeded
75	Allowable number of PIN tries exceeded
76	Unable to locate previous message (no match on Retrieval Reference number)
76	Invalid
77	Previous message located for a repeat or reversal, but repeat/reversal data are inconsistent with original message
78	“Blocked, first used” — Transaction from new cardholder, and card not properly unblocked
78	Invalid
78	Invalid/nonexistent account specified (general)
79	Updated information was found in the Mastercard ABU database. Check for new information before reattempting.
79	Cannot approve at this time, try again later.
79	Updated credentials are not found to be available in the Mastercard ABU database. Do not retry.
79	Life cycle
80	Invalid date (For use in private label card transactions and check acceptance transactions)
81	PIN cryptographic error found (error found by VIC security module during PIN decryption)
82	Incorrect CVV/iCVV
82	Default psp message
82	Invalid transaction
82	CVV, iCVV, dCVV, or Online CAM failed verification, or Offline PIN authentication was interrupted.
82	Cannot approve at this time, try again later.
82	Updated information was found in the Mastercard ABU database. Check for new information before reattempting.
82	Updated credentials are not found to be available in the Mastercard ABU database. Do not retry.
82	Policy
83	Fraud/Security (MasterCard use only) / Unable to verify PIN
83	Cannot approve at this time, try again later.
83	Authentication may improve the likelihood of an approval. Retry using authentication (such as EMV3DS).
83	Suspected fraud. Do not retry.
83	Fraud
84	Invalid Authorization Life Cycle
85	No reason to decline a request for account number verification or address verification
85	Not declined (Valid for all zero amount transactions)
86	PIN validation not possible
86	Cannot verify PIN
87	Purchase Amount Only, No Cash Back Allowed
88	Cryptographic failure
89	Unacceptable PIN — Transaction Declined — Retry
89	Violation of law
90	Cutoff is in progress
91	Issuer unavailable or switch inoperative (STIP not applicable or available for this transaction)
91	Financial institution or intermediate network
92	Destination cannot be found for routing
93	Transaction cannot be completed, violation of law
94	Duplicate transaction detected
96	System malfunction or certain field error conditions
96	System error
N0	Force STIP
N3	Cash service not available
N4	Cash request exceeds issuer limit
N7	Decline for CVV2 failure
P2	Invalid biller information
P5	PIN Change/Unblock request declined
P6	Unsafe PIN

Card via MIGS (Visa/MasterCard)

Error Code	Description
0	Transaction Successful
?	Transaction status is unknown
1	Unknown Error
2	Bank Declined Transaction
3	No Reply from Bank
4	Expired Card
5	Insufficient funds
6	Error Communicating with Bank
7	Payment Server System Error
8	Transaction Type Not Supported
9	Bank declined transaction (Do not contact Bank)
A	Transaction Aborted
C	Transaction Cancelled
D	Deferred transaction has been received and is awaiting processing
F	3D Secure Authentication failed
I	Card Security Code verification failed
L	Shopping Transaction Locked (Please try the transaction again later)
N	Cardholder is not enrolled in Authentication scheme
P	Transaction has been received by the Payment Adaptor and is being processed
R	Transaction was not processed - Reached limit of retry attempts allowed
S	Duplicate SessionID (OrderInfo)
T	Address Verification Failed
U	Card Security Code Failed
V	Address Verification and Card Security Code Failed
Y	The cardholder was successfully authenticated.
E	The cardholder is not enrolled.
N	The cardholder was not verified.
U	The cardholder's Issuer was unable to authenticate due to some system error at the Issuer.
F	There was an error in the format of the request from the merchant.
A	Authentication of your Merchant ID and Password to the ACS Directory Failed.
D	Error communicating with the Directory Server.
C	The card type is not supported for authentication.
S	The signature on the response received from the Issuer could not be validated.
P	Error parsing input from Issuer.
I	Internal Payment Server system error.
05	Fully Authenticated
06	Not authenticated (cardholder not participating), liability shift
07	Not authenticated due to a system problem

Card via eBPG (Visa/MasterCard)

Error Code	Description
0	Process with No Error.
1001	Error setting mandatory fields
1002	Invalid value for TRANSACTION_TYPE! Acceptable Value : QUERY=1
1003	This transaction is not authorized
1004	Error setting mandatory fields
1005	Invalid MERCHANT_ACC_NO! Unable to find merchant with provided MERCHANT_ACC_NO.
1006	The status of this MERCHANT_ACC_NO is suspended! All transactions are not allowed temporary. Please check with administrator for the status.
1007	The status of this MERCHANT_ACC_NO is still pending and not yet activated. Please check with administrator for the status.
1008	The status of this MERCHANT_ACC_NO is invalid! Please check the merchant setting.
1009	The setting of this MERCHANT_ACC_NO does not allow the requested transaction type. Please check the merchant setting.
1010	The setting of this MERCHANT_ACC_NO does not allow transaction request from this IP address. Please check the merchant allow-IP setting.
1011	Error setting mandatory fields
1012	Invalid value for AMOUNT
1013	Error setting mandatory fields
1014	Error setting mandatory fields
1015	Error setting mandatory fields
1016	Error setting mandatory fields
1017	Invalid value for CARD_NO. CARD_NO must be numeric and with valid length!
1018	Invalid value for CARD_EXP_MM. CARD_EXP_MM must be numeric and with valid length!
1019	Invalid value for CARD_EXP_YY. CARD_EXP_YY must be numeric and with valid length!
1020	Invalid value for CARD_CVC. CARD_CVC must be numeric and with valid length!
1021	Invalid payment method. Please call bank to check Merchant Settings.
1022	Amount has been over transaction limit for today. Please call bank to check Merchant Settings.
1023	Transaction not permitted through this merchant type. Please call bank to check Merchant Settings.
1024	This transaction is not allowed to void due to transaction has already settled or status is not Sale or Captured.
1025	Error setting mandatory fields
1026	Invalid Card Type. The card number is not match with the card type.
1027	Sorry, your card is expired. Please use another card.
1028	Invalid Card Expired Month. CARD_EXP_MM must be from 01 to 12.
3001	Error setting mandatory fields
3002	Error setting mandatory fields
3003	Error setting mandatory fields
3004	Error setting mandatory fields
3005	Invalid value for RESPONSE_TYPE for non-3D transaction! Acceptable Value : HTTP
3006	Error setting mandatory fields
3007	Invalid value for SECURE_SIGNATURE! Computed signature does not match one included in the request.
3008	Invalid format for SECURE_SIGNATURE! SECURE_SIGNATURE must be length of 128
3009	Unable to find the transaction record!
3010	MERCHANT_ACC_NO not matched with previous submitted transaction request! (For capture/query previous transaction)
3011	AMOUNT not matched with previous submitted transaction request! (For capture/query previous transaction)
3012	CUSTOMER_ID not matched with previous submitted transaction request! (For capture/query previous transaction)
3013	MERCHANT_TRANID not matched with previous submitted transaction request! (For capture/query previous transaction)
3014	Insecure mode for RETURN_URL. Please specify an URL which uses HTTPS protocol!
3015	Insecure mode for TXN_URL. Please specify an URL which uses HTTPS protocol!
4001	Error setting mandatory fields
4002	Error setting mandatory fields
4003	Duplicate MERCHANT_TRANID detected! Please ensure the MERCHANT_TRANID is always unique.
4004	Error setting mandatory fields
4005	Error setting mandatory fields for 3D transaction
4006	Error setting mandatory fields for 3D transaction
4007	Error setting mandatory fields for 3D transaction
4008	Error setting mandatory fields for 3D transaction
4009	Error setting mandatory fields for 3D transaction
4010	Error setting mandatory fields for 3D transaction
4011	Error setting mandatory fields for 3D transaction
4012	Error setting mandatory fields for 3D transaction
4013	Transaction failed to send to bank host because the merchant 3D setting is (BLOCK_NON_3D)
4014	Transaction failed to send to bank host because the merchant 3D setting is (ALLOW_ATTEMPTED_AND_3D)
5001	Error setting mandatory fields for fraud risk detection
5002	Error setting mandatory fields for fraud risk detection
5003	Error setting mandatory fields for fraud risk detection
5004	Error setting mandatory fields for fraud risk detection
5005	Error setting mandatory fields for fraud risk detection
5006	Error setting mandatory fields for fraud risk detection
5007	Error setting mandatory fields for fraud risk detection
5008	Transaction was blocked due to fraud level exceeded threshold limit.
5009	Transaction was blocked due to blacklisted card detected.
5201	Invalid payment indicator!
5202	Mismatch number of Payment Indicator and Payment Criteria!
5203	Invalid delimiter for Payment Indicator & Payment Criteria. Use “;” only.
5204	Sorry, your request cannot be proceed due to the specified payment criteria was invalid or not found!
5205	Transaction was blocked due to card range filtering based on merchant setting.
5206	Transaction was blocked due to card range filtering by payment indicator.
5207	Unknown card range indicator received.
5208	Merchant not support instalment.
5209	Merchant instalment plan not found.
5210	Transaction amount is not within instalment allowed range.
5211	Merchant transaction support instalment only.
5212	Invalid merchant instalment plan format.
5213	Invalid Promote Code.
5214	Invalid Bin Filtering.
5215	Promotion Exceed Maximum Usage.
5216	No Promotion Found.
5217	Error setting mandatory fields
5218	Payment Link ID is empty
5219	Sorry, the system is unable to locate the payment link transaction with the id specified.
5220	The current payment link status is unavailable for process.
5221	The payment link transaction has been expired.
5222	The transaction is already been processed
5223	Parameter length exceeds maximum length.
5224	Instalment is not allowed.
5225	Invalid incoming parameter name.
5226	Not allowed to proceed void for instalment transaction.
6001	Unable to get connection to MPI Server!
6002	Time out occurred during communication with MPI Server!
6003	Unable to update MPI Ref. No in system. Please try again.
6004	There was an error occurred during 3D authentication with MPI. Please check logs for details.
6005	Invalid message or response received from MPI. Please try again.
6006	MPI Settings are not configured correctly. Please check MPI_HOST and MPI_PORT in system configuration.
6007	Error occurred when trying to display ACS Form in web browser for 3D authentication. Please try again.
6008	Problem occurred on MPI side
6009	Unable to locate bank transaction to update system after 3-D authentication process. Please try again.
6010	Empty response received from MPI
6011	MPI Code received is not allowed to proceed the transaction.
6012	Transaction was aborted because 3-D authentication process is not completed.
6013	Attempted duplicate submission of 3-D authentication result. Please try with new transaction.
6014	MALL NAME is required for 3D transaction. Please call bank to check Merchant Settings.
6015	MALL URL is required for 3-D transaction. Please call bank to check Merchant Settings.
6016	Invalid value for RESPONSE_TYPE for 3D transaction! Acceptable Value : HTTP only
6017	Time out occurred while waiting for ACS response.
6018	Error formatting mandatory field for 3D transaction while generating message to bank host
6019	Error formatting mandatory field for 3D transaction while generating message to bank host
7001	REFUND COMPLETED
8001	This MERCHANT_ACC_NO is not authorized to proceed with this transaction via website! Please check the merchant setting.
8002	This MERCHANT_ACC_NO is not authorized to proceed with this transaction via batch upload! Please check the merchant setting.
8003	Exception while query Payment Server!
8004	Exception while checking for fraud risk!
8005	Settlement in Progress
9999	Internal Exception. Please call bank to report.
9988	Server Time Out Exception.
9977	Bank Connection Error!
9966	Reply from bank is empty/incorrect!
9967	Bank rejected transaction!
9968	Transaction Timeout.
9969	Payment Window Timeout.
9955	Error when trying to insert transaction table. Transaction ID is empty!
9933	Server interruption occurred during processing. Manual checking required. Please inform Administrator.
9935	Cancel payment by customer.
51020	DS/ACS communication error.
62030	VEREs message: Unexpected VEREs.
64910	PARes message: Received TX.status value = N (Authentication fail or cancelled).
64930	PARes message: Signature verification fail.
333317	Invalid {parameter name} : {required format} (This error code is for 3D2.0 additional parameters)
333318	Length of CARD_HOLDER_NAME must be at least 2.
333319	Time out occurred during communication with 3DSS Server!
333320	3DS Server returned unsuccessful response (- error details if available)
333321	{Parameter name} JSON is invalid.
333322	3D type not found in 3D type supported card scheme.
333332	Error setting mandatory fields for 3D2 transaction, MPI_CODE must be in length of 44 and contains “-” sign

Card via CyberSource (Visa/MasterCard)

Error Code	Error Prefix	Description
100	SOK	Successful transaction
101	DMISSINGFIELD	Declined – The request is missing one or more fields
102	DINVALIDDATA	Declined – One or more fields in the request contains invalid data.
104	DDUPLICATE	Declined – The merchantReferenceCode sent with this authorization request matches the merchantReferenceCode of another authorization request that you sent in the last 15 minutes.
110	SPARTIALAPPROVAL	Partial amount was approved
150	ESYSTEM	Error – General system failure.
151	ETIMEOUT	Error – The request was received but there was a server timeout. This error does not include timeouts between the client and the server.
152	ETIMEOUT	Error – The request was received, but a service did not finish running in time.
154	ESYSTEM	Bad MaC key
200	DAVSNO	Soft Decline – The authorization request was approved by the issuing bank but flagged by Cybersource because it did not pass the Address Verification Service (AVS) check.
201	DCALL	Decline – The issuing bank has questions about the request. You do not receive an authorization code programmatically, but you might receive one verbally by calling the processor.
202	DCARDEXPIRED	Decline – Expired card. You might also receive this if the expiration date you provided does not match the date the issuing bank has on file.
203	DCARDREFUSED	Decline – General decline of the card. No other information provided by the issuing bank.
204	DCARDREFUSED	Decline – Insufficient funds in the account.
205	DCARDREFUSED	Decline – Stolen or lost card.
207	DCARDREFUSED	Decline – Issuing bank unavailable.
208	DCARDREFUSED	Decline – Inactive card or card not authorized for card-not-present transactions.
209	DCARDREFUSED	Decline – Card verification number (CVN) did not match.
210	DCARDREFUSED	Decline – The card has reached the credit limit.
211	DCARDREFUSED	Decline – Invalid Card Verification Number (CVN).
220	DCHECKREFUSED	Decline – Generic Decline.
221	DCHECKREFUSED	Decline – The customer matched an entry on the processor's negative file.
222	DCHECKREFUSED	Decline – Customer's account is frozen.
230	DCV	Soft Decline – The authorization request was approved by the issuing bank but flagged by Cybersource because it did not pass the Card Verification Number (CVN) check.
231	DINVALIDCARD	Decline – Invalid account number
232	DINVALIDCARD	Decline – The card type is not accepted by the payment processor.
233	DINVALIDDATA	Decline – General decline by the processor.
234	DINVALIDDATA	Decline – There is a problem with your Cybersource merchant configuration.
235	DINVALIDDATA	Decline – The requested amount exceeds the originally authorized amount. Occurs, for example, if you try to capture an amount larger than the original authorization amount.
236	DINVALIDDATA	Decline – Processor failure.
237	DINVALIDDATA	Decline – The authorization has already been reversed.
238	DINVALIDDATA	Decline – The transaction has already been settled.
239	DINVALIDDATA	Decline – The requested transaction amount must match the previous transaction amount.
240	DINVALIDDATA	Decline – The card type sent is invalid or does not correlate with the credit card number.
241	DINVALIDDATA	Decline – The referenced request id is invalid for all follow-on transactions.
242	DNAUTH	Decline – The request ID is invalid.
243	DINVALIDDATA	Decline – The transaction has already been settled or reversed.
246	DNOTVOIDABLE	Decline – The capture or credit is not voidable because the capture or credit information has already been submitted to your processor. Or, you requested a void for a type of transaction that cannot be voided.
247	DINVALIDDATA	Decline – You requested a credit for a capture that was previously voided.
248	DBOLETODECLINED	Decline – The boleto request was declined by your processor.
250	ETIMEOUT	Error – The request was received, but there was a timeout at the payment processor.
251	DCARDREFUSED	Decline – The Pinless Debit cards use frequency or maximum amount per use has been exceeded.
254	DINVALIDDATA	Decline – Account is prohibited from processing stand-alone refunds.
268	ETIMEOUT	Transaction Error: Unable to confirm, please contact Barclaycard help desk. Do not re-process
400	DSCORE	Soft Decline – Fraud score exceeds threshold.
450	DINVALIDADDRESS	Apartment number missing or not found.
451	DINVALIDADDRESS	Insufficient address information.
452	DINVALIDADDRESS	House/Box number not found on street.
453	DINVALIDADDRESS	Multiple address matches were found.
454	DINVALIDADDRESS	P.O. Box identifier not found or out of range.
455	DINVALIDADDRESS	Route service identifier not found or out of range.
456	DINVALIDADDRESS	Street name not found in Postal code.
457	DINVALIDADDRESS	Postal code not found in database.
458	DINVALIDADDRESS	Unable to verify or correct address.
459	DINVALIDADDRESS	Multiple address matches were found (international)
460	DINVALIDADDRESS	Address match not found (no reason given)
461	DINVALIDADDRESS	Unsupported character set
475	DAUTHENTICATE	The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction.
476	DAUTHENTICATIONFAILED	Encountered a Payer Authentication problem. Payer could not be authenticated.
478	DAUTHENTICATE	Strong customer authentication (SCA) is required for this transaction.
480	DREVIEW	The order is marked for review by Decision Manager
481	DREJECT	Decision Manager has rejected the order
490		Your aggregator or acquirer is not accepting transactions from you at this time.
491		Your aggregator or acquirer is not accepting this transaction.
520	DSETTINGS	Soft Decline – The authorization request was approved by the issuing bank but declined by Cybersource based on your Smart Authorization settings.
700	DRESTRICTED	The customer matched the Denied Parties List
701	DRESTRICTED	Export bill_country/ship_country match
702	DRESTRICTED	Export email_country match
703	DRESTRICTED	Export hostname_country/ip_country match

PayNet FPX Internet Banking (MY)

Error Code	Description
00	Approved
03	Invalid Merchant
05	Seller Account Closed
09	Transaction Pending
12	Invalid Transaction
13	Invalid Amount
14	Invalid Buyer Account
20	Invalid Response
30	Transaction Not Supported For Model Or Format Error
31	Invalid Bank
39	No Credit Bank
45	Duplicate Seller Order Number
46	Invalid Seller Exchange Or Seller
47	Invalid Currency
48	Maximum Transaction Limit Exceeded
49	Merchant Specific Limit Exceeded
50	Invalid Seller for Merchant Specific Limit
51	Insufficient Funds
53	No Saving Account
57	Transaction Not Permitted
58	Transaction to Merchant Not Permitted
65	Withdrawal Frequency Exceeded
70	Invalid Serial Number
76	Transaction Not Found
77	Invalid Buyer Name Or Buyer ID
78	Decryption Failed
79	Host Decline When Down
80	Buyer Cancel Transaction
83	Invalid Transaction Model
84	Invalid Transaction Type
85	Internal Error At Bank System
87	Debit Failed Exception Handling
88	Credit Failed Exception Handling
89	Transaction Not Received Exception Handling
90	Bank Internet Banking Unavailable
92	Invalid Buyer Bank
96	System Malfunction
98	MAC Error
99	Pending for Authorization (Applies to B2B model)
BB	Blocked by Bank
BC	Transaction Cancelled By Customer
DA	Invalid Application Type
DB	Invalid Email Format
DC	Invalid Maximum Frequency
DD	Invalid Frequency Mode
DE	Invalid Expiry Date
DF	Invalid e-Mandate Buyer Bank ID
FE	Internal Error
OE	Transaction Rejected As Not In FPX Operating Hours
OF	Transaction Timeout
SB	Invalid Seller Bank Code
XA	Invalid Source IP Address (Applicable for B2B2 model)
XB	Invalid Seller Exchange IP
XC	Seller Exchange Encryption Error
XF	Invalid Number of Orders
XI	Invalid Seller Exchange
XM	Invalid FPX Transaction Model
XN	Transaction Rejected Due To Duplicate Seller Exchange Order Number
XO	Duplicate Exchange Order Number
XS	Seller Does Not Belong To Exchange
XT	Invalid Transaction Type
XW	Seller Exchange Date Difference Exceeded
1A	Buyer Session Timeout at Internet Banking Login Page
1B	Buyer failed to provide the necessary info to login to IB Login page
1C	Buyer session timeout at Account Selection Page
1E	Buyer failed to provide the necessary info at Account Selection Page
1F	Buyer choose to cancel at Account Selection Page
1G	Buyer session timeout at TAC Request Page
1H	Buyer failed to provide the necessary info at TAC Request Page
1J	Buyer choose to cancel at TAC Request Page
1J	Buyer session timeout at Confirmation Page
1K	Buyer failed to provide the necessary info at Confirmation Page
1L	Buyer choose to cancel at Confirmation Page
1M	Internet Banking Session Timeout
2A	Transaction Amount Is Lower Than Minimum Limit

Alipay (CN)

Error Code	Description
ILLEGAL_SIGN	Illegal signature
ILLEGAL_ARGUMENT	Illegal parameters
HASH_NO_PRIVILEGE	No sufficient rights to complete the query
ILLEGAL_SERVICE	Service Parameter is incorrect
ILLEGAL_PARTNER	Incorrect Partner ID
ILLEGAL_SIGN_TYPE	`sign_type` parameter is incorrect
FOREX_MERCHANT_NOT_SUPPORT_THIS_CURRENCY	Cannot support this kind of currency
ILLEGAL_SECURITY_PROFILE	Cannot support this kind of encryption
REPEAT_OUT_TRADE_NO	`out_trade_no` parameter is repeated
ILLEGAL_CURRENCY	Currency parameter is incorrect
ILLEGAL_PARTNER_EXTERFACE	Service is not activated for this account
SYSTEM_EXCEPTION	Contact Alipay technical support for help
ILLEGAL_TIMEOUT_RULE	`timeout_rule` parameter is incorrect
ILLEGAL_CHARSET	Illegal charset
99/TRADE_NOT_EXIST	Customer did not make payment / Fail onboarding

Razer Gold

Error Code	Error Description
40001	Required parameter is required. / Parameter format is invalid.
40002	Invalid API Version.
40003	Invalid Currency Code or not supported.
40004	Duplicate Reference Id. The transaction was refused as a result of a duplicate Reference Id supplied. Currency Code is not match with previous transaction. The transaction was refused as a result of a duplicate Reference Id supplied. Pin is not match with previous transaction.
40005	Invalid Channel Id.
40006	Invalid Amount.
40007	Invalid PIN.
40008	Invalid Client IP Address.
40009	The transaction was declined by Razer Gold because of possible fraudulent activity.
40013	Payment Amount Exceed channel maximum accepted amount.
40014	Payment Amount less than channel minimum accepted amount.
40101	Invalid Application Code.
40102	Unauthorized Server IP Address.
40103	Invalid Signature.
40104	Channel Id not permitted.
40400	Payment not found.

UnionPay (CN)

Error Code	Description
00	Payment is successful.
01	Refer to card issuer.
03	Invalid merchant.
05	Merchant or seller account closed.
06	Issuer card is expired.
09	Request in progress.
12	Invalid transaction.
13	Invalid amount.
14	Invalid buyer account or card information.
17	Buyer cancel transaction.
22	Suspected malfunction.
25	Failure to search an original transaction.
30	Format error or MAC error.
31	Invalid bank.
39	No credit account.
51	Insufficient fund.
53	No saving account.
57	Transaction not permitted.
61	Withdrawal limit exceeded.
65	Withdrawal frequency exceeded.
76	Transaction not found.
77	Invalid buyer name or buyer Id.
79	Host decline when down.
85	Internal error at bank’s system.
87	Debit failed (exception handling).
88	Credit failed (exception handling).
89	Transaction not received (exception handling).
92	Financial institution or intermediate network facility cannot be found for routing.
93	Transaction cannot be completed.
FE	Internal error.
OE	Transaction rejected as not in operating hours.
OF	Transaction timeout.
OA	Session timeout.
1A	Buyer session timeout at bank login page.
1B	Buyer failed to provide the necessary info to login to bank login page.
1C	Buyer choose cancel at login page.
1D	Buyer session timeout at account selection page.
1E	Buyer failed to provide the necessary info at account selection page.
1F	Buyer choose cancel at account selection page.
1G	Buyer session timeout at TAC request page.
1H	Buyer failed to provide the necessary info at TAC request page.
1J	Buyer choose cancel at TAC request page.
1J	Buyer session timeout at confirmation page.
1K	Buyer failed to provide the necessary info at confirmation page.
1L	Buyer choose cancel at confirmation page.
2A	Transaction amount is lower than minimum limit.

Boost (MY)

Error Code	Description
E0005	Invalid input value mandatory parameter missing
E0006	Message too long. Maximum length characters
E0007	Message too short. Minimum length characters
E0008	Invalid email format
E0009	Invalid date format, expected format
E0010	Invalid Double value format
E0013	Invalid missdn format
E0016	Error occurred
E0017	Invalid value format for path variable
E0020	Merchant not found
E0021	Merchant integration info not found
E0022	Payment transaction token Expired
E0023	Merchant transaction not found
E0024	Already payment done for given payment Transaction Token
E0027	Customer wallet balance not sufficient
E0032	Validation Failure Invalid Merchant category
E0038	Minimum Bio Data [image count] not found

GrabPay (MY/PH/SG)

Error Code	Description
99/ Invalid transaction_id	Customer did not make payment
99/Record not found	Record not found
currency_mismatch	Currency used in this request mismatches with merchant configuration.
init_record_not_exist	The initiate payment action is not completed.
payment_not_found	Original payment is not found or not completed for the refund request.
partial_refund_not_allowed	Partial refund is not allowed for this transaction.
merchant_insufficient_balance	Merchant balance is insufficient.
exceed_payment_amount	Refund amount exceeds payment amount
no_record_found	No record found for this transaction
charging	System is processing a charge request
Refundinq	System is processing a refund request
invalid_request	The request is missing a required parameter, includes an invalid value, includes a parameter more than once, or is otherwise malformed
unauthorized_client	The client is not authorized to request an authorization code using this method
Access_denied	The resource owner or authorization server denied the request
unsupported_response_type	The authorization server does not support obtaining an authorization code using this method
invalid_scope	The requested scope is invalid, unknown, or malformed
server_error	The authorization server encountered an unexpected condition that prevented it from fulfilling the request
temporarily_unavailable	The authorization server is currently unable to handle the request due to a temporary overloading or maintenance of the server.
interaction_required	The Authorization Server requires some form for end-user interaction to proceed. This error may be returned when the prompt parameter value in the Authentication Request is ‘none’ but cannot be completed without displaying a user interface for end-user interaction.
login_required	The Authorization Server requires end-user authentication. This error may be returned when the prompt parameter value in Authentication Request is ‘none’ but cannot be completed without displaying a user interface for end-user authentication
account_selection_required	The end-user is required to select a session at the Authorization server. The end-user may be authenticated at the Authorization server with different associated accounts, but he did not select a session. This error may be returned when the ‘prompt’ parameter value in Authentication Request is ‘none’ but cannot be completed without displaying a user interface to prompt for a session to use
consent_required	The Authorization Server requires end-user consent. This error may be returned when the prompt parameter value in the Authentication Request is ‘none’ but cannot be completed without displaying user interface for end user consent.
invalid_request_uri	The request_uri in the Authorization Request returns an error or contains invalid data
invalid_request_object	The Request parameter contains an invalid Request Object
request_not_supported	The OP does not support the use of the Request parameter
request_uri_not_supported	The OP does not support the use of the request_uri parameter
registration_not_supported	The OP does not support the use of the Registration parameter
user_canceled	The user has requested to cancel the transaction.
session_expired	The session for this transaction has expired.
invalid_acr_values	An invalid acr_values parameter was passed in the generated Web URL. Please ensure that the acr_values query parameter is generated in the correct format.
invalid_token	An invalid request object was passed in the generated Web URL. Be sure to only use a request parameter that was returned in a successful Initiate Payment step.
invalid_argument	There are invalid parameters passed with the generated Web URL. Ensure that all required parameters are sent in the URL in the correct format.
mfa_not_completed	The multi-factor authentication step for the user was not successful.
transaction_not_found	A valid transaction could not be located from the specified request. Ensure that all required parameters are sent in the URL, and in the correct format.
kyc_compliance_decline	Transaction was unsuccessful due to regulatory compliance checks.
transaction_declined	Transaction was declined.
client_error	Transaction could not be completed due to an unspecified user error in the checkout flow.
insufficient_balance	Transaction could not be completed due to an insufficient balance on the user's selected payment method.
unknown	Transaction could not be processed in time. As a result, the transaction will be canceled. Users may still encounter a temporary hold of funds in their wallet.
confirm_failed	(LEGACY) A user or server error has happened in the checkout flow.

MAE by Maybank2U (MY)

Error Code	Description
QR098	Sorry, we could not complete your request at this time. Please try again later
QR090	Mandatory fields missing
QR091	Invalid QR ID
QR092	Invalid Terminal ID
QR122	Your account has been locked or Inactive. Please call our Customer Care Hotline at 1300 888 6688 for assistance
QR155	Invalid Transaction
401	Failed to verify OAuth information

Touch `n Go eWallet (MY)

Error Code	Description	Action/Remarks
00000000/INIT	Order is not paid / Paid but unfinished
00000000/CLOSED	Order is closed
PAYING	Order is paid but not finish	Order is paid successfully for PAY-CONFIRM
MERCHANT_ACCEPT	Merchant accepts order after order is paid for PAY-CONFIRM
CANCELLED	Order is cancelled

WeChat Pay (CN & MY)

Error Code	Description	Action/Remarks
SUCCESS	Payment successful
REFUND	Order to be refunded
NOTPAY	Order not paid
CLOSED	Order closed
REVOKED	Order revoked
USERPAYING	Awaiting user to pay
PAYERROR	Payment failed (payment status failed to be returned by bank or other reasons)
0000	Successful
9994	Merchant does not support Institution or Agency mode	The Merchant ID is a direct merchant. Please check the Merchant ID
9995	Sub Merchant ID does not belong to the Merchant	Please check the Sub Merchant ID first
9996	Error Signature Algorithm	Check the sign type and for more information.
9997	Invalid Merchant ID	Invalid Merchant ID or Sub Merchant ID. Please check the ID first
9998	Error verifying signature	Check the signature process in detail
9999	System Error	Call the Query Order API to check the current order status. The status determines what to do next.
0100	Order does not exist	The order status is unknown. It is suggested to call the API once again
0101	Order does not exist	The order status is unknown. It is suggested to call the API once again
0102	Order does not match	Check the program in detail, and confirm the matching relation between Merchant’s Order Number and WeChat Pay Order Number
0203	Order does not match	Check the program in detail, and confirm the matching relation between Merchant’s Order Number and WeChat Pay Order Number
0001	Payment is in progress	Waiting for the user to enter the password/PIN on the smartphone. The merchant backend can check the payment result regularly
0011	Not sufficient funds	The customer’s account balance is insufficient — suggest changing the account
0012	Reached transaction limit	Customer’s current payment mode has reached its transaction limit — suggest changing payment mode
0013	Rejected due to risk assessment	Rejected by WeChat Pay risk assessment — suggest another payment mode or contact WeChat Pay Customer Service
0014	Reject by bank card issuer	Suggest customer change payment mode or contact the card issuer
0015	Invalid QR code	Shop assistant can scan again / customer reload the QR code
0201	Order does not exist	Check the program in detail, and confirm the validity of WeChat Pay Order Number
0201	Order does not exist	Check the program in detail, and confirm the validity of Merchant’s Order Number
0202	Order does not match	Check the program in detail, and confirm the matching relation between Merchant’s Order Number and WeChat Pay Order Number
0203	Order does not match	Check the program in detail, and confirm the matching relation between Merchant’s Order Number and WeChat Pay Order Number
0204	Incorrect order status	The order which has been paid or refunded cannot be closed
0300	Order does not exist	Check the program in detail and confirm the validity of WeChat Pay Order Number
0301	Order does not match	Check the program in detail and confirm the validity of Merchant’s Order Number
0302	Order does not match	Check the program in detail and confirm the matching relation between Merchant’s Order Number and WeChat Pay Order Number
0303	Order does not match	Check the program in detail and confirm the matching relation between Merchant’s Order Number and WeChat Pay Order Number
0304	The amount is not consistent with the original order	Check the program in detail and confirm the validity of original order information
0305	Exceed the refundable amount	Total refunds must not exceed the original payment amount
0306	Incorrect order status	Unpaid or closed order cannot be refunded
0350	Error verifying Merchant certificate	Check whether the Merchant certificate used is valid
0203	Order paid for more than 1 day cannot be revoked	Use the Refund Order API to submit a refund
0250	Error verifying Merchant certificate	Check whether the Merchant certificat(e) used is valid
0400	Order does not match	Check the program in detail and confirm the validity of order parameter
0401	Order does not exist	Check the program in detail and confirm the validity of WeChat Pay Order Number or WeChat Pay Refund Number
0402	Order does not exist	Check the program in detail and confirm the validity of Merchant’s Order Number or Merchant’s Refund Number
0500	Failed to download	Confirm the validity of the data parameter first

eNETS Debit

Error Code	Description	Action/Remarks
00000	Payment successful	Transaction is approved.
01000	Payment declined. Call Bank.	Bank has declined the transaction because customer cancelled it at the bank login page.
01001	Payment declined. Please try again.	Bank has declined the transaction with unknown reason and indicated customer to try again.
01002	Payment declined. Please contact card issuer	Customer's account has Insufficient Funds
01003	Payment declined. Please contact Merchant	Bank declined with Security Violation
01005 / 01006	Payment declined. Invalid Account	Bank has declined the transaction because customer does not have a Cheque Account
01007	Payment declined. Invalid Account	Bank has declined the transaction because customer does not have a Savings Account
01010	Payment declined. Exceeded activity/pin-retry Limit	Bank has declined the transaction with unknown reason and indicated customer to try again
01011	Payment declined. Exceeded Account Limit	Bank has declined the transaction because customer exceeded their account limit
01039	Payment declined - User Session Expired	Bank has declined the transaction because of Timeout due to customer inactivity
02001	Payment declined. Time out.	Gateway has declined the transaction because timeout on backend has occurred.
02002	Payment declined. User Session Expired.	Payment declined. User Session Expired.
02003	Payment declined. User Cancelled Txn	Payment declined. User Cancelled Txn
02200	Payment declined. Please contact card issuer	Gateway has declined the transaction because issuer/bank related problems

KBank_PayPlus

Failure Code	Failure Message
99	Payment Failed
0500	Invalid Message Format
1001	No register
HOST30209	(HOST30209) The account cannot be processed. Please contact the bank branch of account.
04	Bill Expired (ER04)
KPI001	Require field not found (identify field name in error message)
KP2000	Unauthorized partner
KP9999	KBank internal error
07	Payment request cannot be sent. PromptPay account is inactive. Please contact the bank of PromptPay account. (07)
35	Payment request cannot be sent. (35)
36	Payment request cannot be sent. The owner of PromptPay account must give consent for receiving the payment request to the bank of that account. (36)
37	Payment request cannot be sent. The bank of PromptPay account does not support Request-to-Pay. (37)
40	Payment request cannot be sent. (40)
41	Payment request cannot be sent. (41)
79	Payment request cannot be sent. Please contact the bank of PromptPay account. (79)
82	Payment request cannot be sent. Please contact the bank of PromptPay account. (82)
96	Payment request cannot be sent. (96)
8018	Payment request cannot be sent. (8018)
8019	Payment request cannot be sent. (8019)
8020	Payment request cannot be sent. (8020)
8021	Payment request cannot be sent. (8021)
8022	Payment request cannot be sent. (8022)
8023	Payment request cannot be sent. (8023)
8024	Payment request cannot be sent. Please check PromptPay registration process. (8024)
8025	Payment request cannot be sent. Please check PromptPay registration process. (8025)
8026	Payment request cannot be sent. Please check PromptPay registration process. (8026)
8027	Payment request cannot be sent. Please check PromptPay registration process. (8027)

KTB_IB_U

Error Code	Error Description
11	Cancel Payment by Customer
E01	Login
E02	Payment
Z01	Error caused by embedding portal
E0111	Your user ID / ATM Card No. is invalid. Please re-enter it.
E0112	Password/PIN is invalid. Please re-enter it. In case of error exceeding three times, please contact your Main Account branch.
E0113	Sorry !! Your login retries exceeded those allowed by system. Please contact branch where you signed up for service
E0115	Sorry !! Your User ID/Password retries already exceeded those allowed by system. Please contact branch where you signed up for service
E0116	Sorry !! System not allow you to do transaction since you are blocked from using service. Please contact branch where you signed up for service.
E0117	Sorry !! Your membership record for using KTB Internet Banking not found. Please sign up for service before login.
E0120	Incorrect Company Information.
E0121	Cancel Payment by Customer.
E0122	Please kindly change your password at KTB Online on web before making this transaction
E0123	Please pay by your belonging ATM Card or Invalid ATM Card No.
E0124	You have no last 5 transactions in 30 days
E0212	Insufficient funds. Please check your A/C balance.
E0214	Sorry !! Host computer unavailable now. Please Login again later.
E0215	Sorry !! System error - unable to serve you now. Please Login again later.
E0216	Sorry !! You are not allowed to do this transaction.
E0217	Sorry !! you are not allowed to do transaction since you account has problems. Please contact branch where you signed up for service.
E0218	You are not allowed to do transaction because of invalid/incorrect amount. Please re-enter correct amount and redo transaction.
E0219	Requested transaction date is not same as Effective Date in eMCI
E0220	Your Password/PIN was invalid. Please re-enter it. If invalid more than 3 times, please contact your Main Account branch.
E0256	Sorry!! An exception while processing your request. In case of financial transaction, please checking your statement
E0257	Sorry !! Company or Company Account not found in CBS. Please contact KTB contact center.
E0258	Please pay with your student ATM card
E0259	Sorry! User is not Authorize for this action.
E0260	There is no applicable account to perform this transaction.
E0261	Please Login KTB Online to change your User ID and Password before payment.
E0262	User is not registered mobile number for receive TOP
E0263	Incorrect TOP or TOP expired Please enter correct TOP or request new TOP/
E0264	Invalid Mobile Number or Email Address. Please enter a valid mobile number or Email address
E0265	Sorry! The Bank Limit Amount Exceeded
E0266	Invalid Payment Reference
E0267	Transaction could not be processed.
E0268	Transaction is not found.
E0269	Transaction failed, please contact bank.
Z0101	Sorry !! Internal system in error, unable to serve you now. Please login again later.
Z0102	Format message to host failed, unable to process.
Z0105	Password entered was invalid. Please re-enter it.
Z0106	Account number was invalid. Please re-enter it
Z0110	Sorry !! Internet Banking Host currently unable to handle transaction. Please try again later.
Z0111	Sorry !! Currently host time out because of so many users thus slowing down host response. Please try again later.
Z0117	Invalid amount entered. Please reenter information.
Z0123	Date input length exceeded that specified. Please check it again.
Z0127	Data entered incomplete. Please check it again
Z0135	Sorry !! You already login to system and not allowed to login again since your User ID is be utilized. In case of doubt, please re-check it.
Z0137	Invalid Input field. Please check it again
Z0161	Invalid Configuration File setting.
Z0163	Session Timed out. Please logout and login again.
Z0164	Invalid Session.
Z0165	Cannot format the response page.
Z0166	Sorry !! Server down unable to serve you now. Please try again later.
Z0190	Invalid Terminal ID or Sequence No.
Z0191	Invalid Reference No.
Z0192	Invalid site name.
Z0199	Unknown Error Code, please check.

SCB_IB_U

Status	Response Code	Response Message
001*	280	Schedule Success
001*	282	Schedule Partially Success
002	001	Payment Success
003	022	INSUFFICIENT AVAILABLE BALANCE
003	023	ACCOUNT DOES NOT EXIST
005	141	Payment canceled by payer
006	001	Invalid Command
006	011	Terminal id is Required
006	012	Invalid Ref. Number or Ref. Date
006	032	Internal Error
006	098	Invalid Parameter ( payee_id )
006	098	Invalid Parameter ( cust_id )
006	098	Invalid Parameter ( ref_no )
006	098	Invalid Parameter ( currency )
006	099	Internal Error
006	122	Internal Error
006	123	Internal Error
006	131	Signon Fail
006	136	Invalid currency code
006	137	Invalid debit amount
006	138	Invalid profile ID
006	139	Internal Error
006	140	Duplicate Transaction
006*	35	Duedate is required
006*	135	Invalid Duedate(YYYYMMDD)
006*	281	Schedule failed. Please try again.
006*	283	Transaction failed
009*	284	Edit Schedule date
009*	285	Cancel Schedule transaction
010	145	Payment result questionable (time out)

📘
Note: for Future/Recurring use only.

ShopeePay

Value	Description
-2	A server dropped the connection
-1	A server error occurred
0	Success
1	Request parameters error
2	Permission denied
4	Merchant/store not found
6	The user making the payment has not activated their wallet
7	Expired
9	User's account is banned
11	Duplicate request/transaction
24	User's account is frozen
42	Insufficient balance
101	One of the user's wallet limits has been exceeded
102	One of the user's wallet limits has been exceeded
103	User exceeded daily payment limit — limit will reset the next day
104	One of the user's wallet limits has been exceeded
105	Authorization code is invalid
121	Client attempts to update completed transaction
301	Invalid payment code or QR content
303	Merchant is trying to make payment to their own user account
304	Refund/void cannot be processed due to payment exceeding validity period
305	Merchant invalid
601	Request to refund/void a payment transaction does not meet rules
602	Request to refund/void a payment transaction is unsuccessful

DuitNow OBW

Code	Description	Status Code
U000	Success/ Transaction Accepted	ACSP
U002	Success/ Transaction Accepted Stored in SAF	ACTC
U110	Payment Not Accepted	RJCT
U111	Minimum Amount Check Failed	RJCT
U112	Maximum Amount Check Failed	RJCT
U115	Date Sent Tolerance Check failed	RJCT
U119	Session Validation Failed	RJCT
U121	Inbound Bank Not Found	RJCT
U122	Inbound Bank Not Active	RJCT
U124	Bank Code Not found in message	RJCT
U125	Inbound Bank Id Cannot be Determined (Bank Classifier not found)	RJCT
U126	Outbound Bank Cannot be Determined	RJCT
U128	Outbound Bank Not Active	RJCT
U130	Inbound Settlement Bank not found	RJCT
U131	Outbound Settlement Bank not found	RJCT
U132	Inbound Settlement Bank Inactive	RJCT
U134	Outbound Settlement Bank Inactive	RJCT
U149	Duplicate Transaction	RJCT

DuitNow QR

Value	Description
12	Invalid transaction / Transaction not allowed
13	Unable to Credit due to invalid amount
46	QR validation failed
47	Invalid source of funds
48	QR has expired
52	Unable to Credit due to account does not exist or invalid account
94	Duplicate Transmission
N3	Unable to Credit due to account does not exist or invalid account