For requests that involves transaction processing the error response will contain a transaction state and error. The transaction state is a high-level categorization of the error with three categories:
| Transaction state | Description | |
|---|---|---|
hard_declined | Irrecoverable payment method errors. The payment method is declined and future attempts will fail. | |
soft_declined | Possible recoverable errors. The payment method or settle of authorization is declined but future attempts may succeed. E.g. insufficient funds on card. | |
processing_error | Errors in the processing chain from Billwerk+Optimize to the acquirer not related to the payment method. |
The transaction error will have a more detailed indication of the decline or processing error. Notice that in many cases only limited information is given from payment provider, e.g. card issuer, on the reason for the decline.
| Transaction error | Description | |
|---|---|---|
insufficient_funds | Valid payment method but insufficient funds to complete transaction. Ususally a soft decline. | |
settle_blocked | Settle of authorization blocked. Ususally a soft decline. | |
credit_card_expired | Credit card expired | |
declined_by_acquirer | Transaction declined by payment provider for some reason | |
credit_card_lost_or_stolen | Credit card lost or stolen | |
credit_card_suspected_fraud | Credit card suspected fraud | |
refund_amount_too_high | The tried refund amount is too high | |
authorization_expired | Settle failed because the authorization has expired | |
authorization_amount_exceeded | Settle failed because requested amount exceeded authorized amount | |
authorization_voided | Settle failed because authorization has been voided | |
sca_required | Transaction declined by payment provider because strong customer authentication (e.g. 3D Secure) is required | |
risk_filter_block | Transaction was declined by a Billwerk+Optimize Risk Filter rule | |
fraud_block | Transaction was declined by Billwerk+Optimize Fraud Detector | |
emv_token_deleted | EMV token deleted by issuer - cannot be active again | |
emv_token_suspended | EMV token suspended by issuer - might be activated again | |
acquirer_communication_error | Communication with payment provider failed | |
acquirer_error | Error at the payment provider | |
acquirer_integration_error | There is an error in the integration to the payment provider | |
acquirer_authentication_error | Provided authentication credentials are not valid | |
acquirer_configuration_error | Error in the configuration of the payment provider or payment gateway account | |
acquirer_rejected_error | Payment provider rejected this specific transaction. E.g. amount too low or too high. |