You may occasionally experience transaction declines.
When faced with a decline, the options are as following:
If the error indicates a configuration issue, contact Paynt Support to double check.
If the error seems to be related to how you're using the API, review the error logs to identify the problem. Make the necessary changes and try again. You can contact Paynt Support for guidance.
If the error is due to missing information, make sure to include all required details in your future requests.
If the error comes from the bank and it is generic, you would have to let the cardholder know that they should contact their bank or use another card.
Below you can find error codes that we face every day.
Error Code | Description | Suggestion to Merchant |
100.100.400 | Request contains no cc/bank account holder | API request contains no cc/bank account holder. Implement front end restrictions not allowing user to leave cardholder name field empty |
100.100.402 | cc/bank account holder not valid | API request likely contains illegal characters. Ensure in your front end that the user can only enter the following range of characters. A-Z, a-z, 0-9. (so no other symbols than the English alphabet letters and Arabic numbers). |
100.100.600 | empty CVV for VISA,MASTER, AMEX not allowed | Your customer has left the CVV empty. Ensure in your front-end that this is not possible and expose a warning message. |
100.100.601 | invalid CVV/brand combination | Your cardholder wrote the incorrect CVV when the transaction was made. |
300.100.100 | Transaction Declined (additional customer authentication required) | The bank's risk checks are declining this transaction. Provide more customer related data in your request (billing address, firstName, lastName) and the bank might accept it. |
600.200.202 | Channel/Merchant not configured for this payment type | Your customer is attempting to make a payment in a currency that is not configured. You can request from Paynt team to add the additional currency. If merchant has the attempted currency in their approval terms, contact Paynt Technical Support to double check the configuration. |
800.100.195 | Transaction declined (UserAccount Number/ID unknown) | Transaction being declined due to invalid card details OR cardholder has blocked the recurring payment from their side. |
600.200.202 | Channel/Merchant not configured for this payment type. | You are attempting to take a payment for a payment type that is not configured. Configured payment types by default are VISA (all types) and MasterCard (all types).
Often happens when customer attempts to make a payment with APPLE PAY. Paynt can assist in enabling Apple Pay and Google Pay integrations. This error can also appear during a global issue. |