Overview

This topic lists the error responses returned during the payment process.
See the Response Code Tables below.

Status and Error Indicators

Errors occurring during the payment process are reported in response parameters, which provide information about the error.

The three payment process stages use different response parameters to return error responses:

• Stage 1
  Source of the response: The API request itself.
  Status/error parameters:
  • status
  • errCode
  • reason
• Stage 2 (for credit card transactions)
  Source of the response: The payment gateway and banks.
  Status/error parameters:
  • transactionStatus
  • gwErrorCode
  • gwErrorReason
  • gwExtendedErrorCode
• Stage 3 (for APM transactions)
  Source of the response: The APM.
  Status/error parameters:
  • paymentMethodErrorCode
  • paymentMethodErrorReason

3DS Responses

In response to payment or authorization requests, the issuer returns a 3DS authentication result, and if applicable the relevant 3DS challenge or exemption with its reason.
See the 3DS Responses topic for details.

Response Code Tables

API Response Codes

errCode	Reason
1000	General Error
1001	Invalid checksum
1004	Missing or invalid CardData data
1007	Invalid name on card
1010	Invalid user token
1011	Missing or invalid UserPaymentOption data
1013	Invalid merchant ID
1014	{0}Invalid country code
1019	Validation Error
1021	Invalid timestamp
1022	Invalid merchant site ID
1023	User payment option is not enabled
1024	UPO limit per user exceeded
1028	Invalid card issuer
1029	Invalid expired date
1038	Communication error
1040	Invalid or missing amount
1041	Invalid or missing amount currency
1055	Single UPO validation failed
1056	User management is off
1057	Invalid order ID
1058	Requested operation cannot be performed on this order
1059	Ambiguous payment data
1060	Missing or invalid payment data
1061	Invalid card token
1062	Invalid CVV
1063	Total amount does not match items amount sum
1064	Invalid session token. There can be only one order per session token.
1065	Invalid token
1066	Invalid request
1067	Invalid or missing transaction type
1068	Payment method is not enabled
1069	Session expired
1070	The currency is not supported by the merchant payment option settings
1071	Invalid request amount. The amount of the payment3D request is unequal to the amount of the Auth3D order.
1072	Missing or invalid PA response
1073	Invalid Order Currency. The currency of the payment 3D request and the currency of the Auth3D order are different.
1074	The user payment option is expired.
1075	Invalid language code
1076	Unsupported payment method
1077	API rebilling is disabled
1078	Missing user payment option config
1079	Rebilling is only allowed with user payment option.
1080	Invocation of this method is forbidden
1081	IP Address is blocked
1082	Invalid value of relatedTransactionId
1083	ekycUserDetails: The date of birth is invalid
1084	UserDetails: The date of birth is invalid
1085	Invalid request parameter value. The value of isPartialApproval should be empty or equal to 0 or 1
1086	Sending of cardData block is not allowed
1087	Invalid request xss content
1088	Invalid clientRequestId. It should be provided when api setting is set to check it for uniqueness.
1089	There is another transaction with this clientRequestId.
1090	UPO is not in valid status. Valid statuses are ENABLED, SUSPENDED and FROZEN.
1091	The transaction was processed by another merchant or merchant site.
1092	The transaction does not support the requested operation
1093	Missing message text!
1094	Invalid message locale!
1095	Invalid results range
1096	Unknown status
1097	Invalid value of account info field {0} in request.
1098	Missing account info field {0} in request.
1099	Payment method already registered!
1101	{0}Invalid state
1102	No such product descriptor
1103	The subscription plan id is invalid
1104	Temporary card token is forbidden for this method.
1105	UserDetails: firstname, lastname, email, address, zip code and country are mandatory
1107	Invalid methodCode
1108	Invalid casino
1109	Invalid email
1110	Invalid locale code
1111	External Error. Error received from IMS. IMS error message: {0}.
1112	Registration failed
1113	{0}The state is not from the country
1114	Invalid verification status
1115	Invalid verification method
1116	Payment account details not found by IMS.
1117	Invalid dynamic3DMode. The allowed values are: (off, on).
1118	Invalid isDynamic3D. The allowed values are: (0, 1).
1120	ekycUserDetails: invalid identificationType
1121	Merchant not verified
1122	Merchant site disabled
1123	Invalid items count with open amount
1124	Merchant site is not configured to execute Managed3D transaction.
1125	UPO Payment method is not supported by this method.
1126	When using rebilling, isDynamic3D must be equal to 1 and dynamic3DMode must be OFF.
1127	When using externalMPI, isDynamic3D must be equal to 1 and dynamic3DMode must be OFF.
1128	Invalid type: {0}
1129	KYC Document Upload disabled.
1130	Country could not be extracted from the request.
1131	The originUrl = [{0}] is not valid!
1132	The transaction has been already automatically settled.
1140	A payment was not performed during this session.
2006	Currency conversion is not supported.
9064	3D Authentication failure
9065	The currency is not supported by the payment method
9066	Exchange rate not available
9067	Wrong payment method
9068	Wrong DCC currency
9069	Wrong converted amount
9070	Wrong original currency
9071	Wrong original amount
9072	Payment is still in progress
9073	Invalid or missing country and currency
9074	externalSchemeDetails: Invalid or unsupported credit card company.
9075	3D Secure authentication failed, payment not allowed.
9076	3D Secure authentication failed.
9077	Card registration failed.
9078	Account Verification is not enabled for this Merchant Site.
9079	Account Verification is not configured for this Payment Option and Country.
9080	UPO is not in valid status. Valid statuses are ENABLED, SUSPENDED or DISABLED.
9081	Invalid currency conversion type.
9082	Payment Option supports single Passenger Details record only.
9083	Invalid or missing clientRequestId.
9084	Provided clientRequestId is not associated with a payout transaction.
9085	Payment Option is not a Card.
9086	Open Amount feature is not enabled.
9087	Cannot use Open Amount and MCP Currency Conversion simultaneously.
9088	Order Amount must be between %d and %d.
9089	Open Amount feature is not supported for this order.
9090	Cannot use Open Amount and Amount Details/Order Items simultaneously.
9091	Balance retrieval error.
9092	User account operation failed.
9093	Account not found.
9094	Account already registered.
9095	Add Bank Account failed.
9096	Cannot fund user account at this time.
9097	Unsupported document type.
9098	Unsupported enrollmentAction type.
9099	Unsupported enrollment type.
9100	Payout is still in progress
9101	3D Authentication is required for Apple Pay transactions.
9102	Invalid totalSettleCount
9105	Unsupported paymentFlow
9106	Payment method is not supported by the selected payment flow
9107	Invalid redirectFlowUITheme
9118	A transaction cannot be MOTO and Card Present
9123	Recipient User payment option is not enabled
9124	There is an issue with the Debit card number provided and it card be processed
9125	The User Payment Option was not found or is invalid
9126	Changing the Beneficiary Type is not allowed
9127	Editing this user payment option is not allowed, please add a new one.
9128	3D V2 information must be provided
9129	Transaction aborted due to technical reasons
9130	Too many declines or errors, please open a new session
9131*	MIssing or invalid last 4 digits
9132	MCP rates are not configured for your account.
9133*	MIssing or invalid card brand.
9134	Currency conversion rates are not available at the moment. Please try again later.
9135	Dispute Site unavailable please try again.
9136	Missing correlationId
9137	Missing alertReceivedDate
9138	Missing decisionDescription
9139	Missing refundIndicator
9140	Invalid value of relatedClientUniqueId or related relatedClientUniqueId not found.
9141	relatedClientUniqueId is not unique.
9142	Ambiguous payment data. Both relatedClientUniqueIdand payment option present. Only one should be provided!
9143	Ambiguous payment data. Mismatched between relatedTransactionId and relatedClientUniqueId provided.
9144	Missing configuration - Withdrawal configuration is not defined for merchant site.
9145	There is a mismatch between the transactionID and the clientUniqueId provided.
9145	There is a mismatch between the transactionID and the clientUniqueId provided
9146	No transaction details returned for the provided ID.
9146	No transaction details returned for the provided id
9147	trasnactionId or clientUniqueId must be provided
9147	trasnactionId or clientUniqueId must be provided
9148	GooglePay T&C must be accepted
9149	Missing or invalid domainNames
9150	DomainName cannot be longer than 255 characters
9151	Disabled domains cannot be modified
9152	Domain is not enabled
9155	The request was not found
9156	The transaction request failed
9158	Your card registration was not successful. Registration of cards issued outside the EU/EEA is not allowed.

* Relevant for Apple Pay and Google Pay.

API Response Marketplace Codes

errCode	Reason
9108	Seller information missing
9109	Seller {{seller number}}not active
9110	The settlement amount exceeds the allowed amount.
9111	The refund amount exceeds the allowed amount
9112	The retailers amounts do not match the total transaction amount
9113	Vaild Split cart information should be present in the request
9114	Split cart information should not be present in the request. The Seller is not defined as a Marketplace
9115	The Transaction identifiers are not unique for the different parts of the split cart. Contact Nuvei Technical Support to resolve the issue.
9116	Seller {seller Number} is associated with a different merchantSiteId.
9117	A split cart transaction amount can’t be 0. Contact Nuvei Technical Support to resolve the issue.
9121	Invalid or missing Marketplace sellerInfo block
9122	Invalid or missing Marketplace clientInfo block

Gateway Response Codes

This table contains the error response codes sent in response as well as Direct Merchant Notifications (DMNs) with their descriptions.

The first three rows consist of the mapping of the error codes (gwErrCode, gwExtendedErrCode) to the corresponding response status field (transactionStatus).

errorCode	exErrCode	Description
0	0	APPROVED
-1	0	DECLINED (See the Gateway Decline Reasons table below.)
0	0	PENDING
-1100	greater than 0	ERROR (filter error) (See the Gateway Filter Error Codes table below.)
<0	!=0	ERROR (gateway/bank error)
-1001	0	Invalid login
-1005	0	IP out of range
-1203	0	Timeout/Retry
-1	-1	UNEXPECTED SYSTEM ERROR - PLEASE RETRY LATER

Gateway Filter Error Codes

This table contains the possible filter codes (gwExtendedErrCode) and their descriptions. ErrCode (gwErrCode) for all filter errors is -1100.

Contact Nuvei Technical Support for more information.

Reason Code ID	Reason Code Description
1001	Invalid Expiration Date
1002	Expiration Date Too Old
1101	Invalid Card Number (Alpha Numeric)
1102	Invalid Card Number (Digits Count)
1103	Invalid Card Number (MOD 10)
1104	Invalid CVV2
1105	Auth Code/Trans ID/Credit Card Number Mismatch
1106	Credit Amount Exceed Total Charges
1107	Cannot Credit this CC company
1108	Illegal interval between auth and force
1109	Not allowed to process this CC company
1110	Unrecognized credit card company
1111	This Transaction was charged back
1112	Sale/Settle was already credited
1113	Terminal is not ready for this credit card company
1114	Black listed card number
1115	Illegal BIN number
1116	<Custom Fraud Screen Filter>
1118	'N' Cannot be a Positive CVV2 Reply
1119	'B'/'N' Cannot be a Positive AVS Reply
1120	Invalid AVS
1121	CVV2 check is not allowed in Credit/Settle/Void
1122	AVS check is not allowed in Credit/Settle/Void
1124	Credits total amount exceeds restriction
1125	Format Error
1126	Credit amount exceeds ceiling
1127	Limit exceeding amount
1128	Invalid Transaction Type Code
1129	General Filter Error
1130	Bank required fields are missing or incorrect
1131	This transaction type is not allowed for this bank
1132	Amount exceeds bank limit
1133	GW required fields are missing
1134	AVS Processor Error
1135	Only one credit per sale is allowed
1136	Mandatory fields are missing
1137	Credit count exceeded CCC restriction
1138	Invalid Credit Type
1139	This card is not supported in the CFT Program
1140	Card must be processed in the GW System
1141	Transaction type is not allowed
1142	AVS required fields are missing or incorrect
1143	Country does not match ISO Code
1144	Must provide UserID in a Rebill transaction
1145	Your Rebill profile do not supprt this transaction type
1146	Void is not allowed due to CCC restriction
1147	Invalid Account Number
1148	Invalid Cheque Number
1149	Account Number/Trans ID Mismatch
1150	UserID/Trans Type /Trans ID Mismatch
1151	Transaction does not exist in the rebill system.
1152	Transaction was already canceled
1153	Invalid Bank Code(Digits Count)
1154	Invalid Bank Code (Alpha Numeric)
1155	3D Related transaction is missing or incorrect
1156	Debit card required fields are missing or incorrect
1157	No update parameters were supplied
1158	3D PaRes value is incorrect
1158	PayPal account is already registered by another user
1159	State does not match ISO Code
1159	The user already registered with a different Payer email
1160	Invalid Bank Code (Checksum Digit)
1160	Single account validation failed
1161	This Bank allows only 3 digits in CVV2
1162	Age verification Failed
1163	Transaction must contain a Card/Token/Account
1164	Invalid Token
1165	Token Mismatch
1166	Invalid Email address
1167	Transaction already settled
1167	Missing external MPI parameters
1168	Transaction already voided
1169	sg_ResponseFormat field is not valid
1170	Version field is missing or incorrect
1171	Issuing Country is invalid
1172	Phone is missing or format error
1173	Check number is missing or incorrect
1174	Birth date format error
1175	Zip code format error
1176	Cannot void an auth transaction
1177	Cannot void a credit transaction
1178	Cannot void a void transaction
1179	Cannot perform this void
1180	Invalid start date
1181	Merchant Name is too long (>25)
1182	Transaction must be sent as 3Dsecure
1183	Account is not 3D enabled
1184	Transaction 3D status is incorrect
1185	Related transaction must be Auth3D, APPROVED, same 3DS version and same merchant
1186	Related transaction must be 3D authenticated
1187	Country does not support the CFT program
1188	Invalid token id
1190	Risk processor error
1191	RiskOnly is supported from version 4.0.0 and above
1192	AGV processor error
1193	AGVOnly is supported from version 4.0.1 and above
1194	Age verification mismatch
1195	Requested acquirer is unrecognized
1196	sale transaction isn't processed on acquirer side yet
1197	Input data is not sufficient
1198	Credit card details are not allowed for the given Payment Method
1199	Envoy payout transaction requires credit transaction of type 1
1200	invalid issuing bank country code
1201	Invalid Amount
1202	Invalid Currency
1203	IBAN does not match country code
1204	Payment method is not supported
1205	APM risk processor error
1206	Settle amount exceeds total charges
1207	Cannot perform this credit
1208	Converted transaction cannot be handled, please use alternative interfaces
1209	Client is not allowed for Partial Approval
1210	NameOnCard is missing
1211	Reserved
1212	Reserved
1213	Reserved
1214	Invalid FinalizationURL
1215	Reserved
1216	Reserved
1220	Expired Token
1230	Invalid or missing PFSubMerchantId input parameter
1231	Invalid or missing MerchantName input parameter
1232	Invalid or missing PFSubMerchantCountry input parameter
1233	Invalid or missing PFSubMerchantCity input parameter
1265	One year passed since last sale, Payout declined
1266	Submethod not supported
1267	This card is not supported in the Visa Direct OCT program.
1268	Token is inactive
1269	Cannot get cryptogram
1270	The client is not configured to account update
1271	sg_transaction must be of type InitAuth3D, Approved and the same merchant
1272	Card number must be equal for all transaction in a specific 3DS flow
1273	Card number, Currency and Amount must be equal in a specific 3DS flow
1274	Requested Auth3D 2.0 but card number is not supported with 3DS 2.0
1275	initAuth3D represented by sg_transactionId was already used in another 3D flow
1276	authentication request could not be completed – timeout, please try again later
1277	DS responded with an error, please verify request and try again
1278	Authentication is expired, new InitAuth3d is required
1279	3D related transaction was already used for Sale/Auth
1280	Mandatory field is missing: sg_threeDSMethodNotificationURL
1281	Authentication has not completed
1282	Authentication failed
1283	Required field sg_ThreeDSPlatformType is missing or invalid
1284	Invalid external MPI parameters format
1285	Exceeding refund time frame
1288	Void is not supported for the related transaction type in current processor
1289	Issuer data is not available, please try again later
1290	NextAction is DoChallenge but challenge result is not allowing Sale/Auth
1292	NextAction is Stop, no further transaction should be sent
1293	Temporary Technical Malfunction in 3DS 2.0, Please Retry
1295	OCT Cannot exceed 10,000 Euros cross border in Azerbaijan, Moldova, Ukraine
1296	Non Domestic OCT is not allowed in the current issuer or merchant country
1297	Acquirer Reference Number and Authcode Duplication
1300	Exceeded retry limit, issuer will not approve same amount.
1500	Client Is Not Allowed To Use This Channel
1501	Client Is Not Allowed To Use Suppress Auth
1550	Not all the auto reversal parameters were sent in the request
1551	Client is not permitted to use auto reversal functionality
1552	Input parameter data type incorrect
1553	Currency of auto reversal does not match the currency of the settle
1554	Amount of auto reversal does not match the amount of the settle and auth
1555	Auto Reversal Cannot be Allowed with Multiple Settle
1556	Settle amount plus AutoReversal Amount should bequal to Original Auth
1557	Original currency does not match auto reversal currency
1558	Incorrect Auto-Reversal Input Parameters
1559	Cannot void auth, transaction has already been settled
1560	Not Allowed to Process this Auth Type
2001	The requested acquirer bank is temporarily unavailable
2002	ApmRisk is disabled
2025	External MPI not supported for this acquirer
2030	Invalid external token provider
3001	Invalid Interval for sale reversal
3002	Invalid Interval for refund reversal
3003	Invalid Interval for OCT reversal
3004	Transaction has already been reversed
3005	Transaction is not approved
3006	Transaction type does not match reversal type
3007	Transaction has not been transmitted
3008	Transaction already has chargeback record
3500	Invalid POS Parameter
3501	Mandatory POS Parameter is missing
3502	KYC parameters error
3503	ClientUniqueID is required per current configuration
3504	Transaction already settled
3505	Already exist sale related for this Auth3d
3506	TransactionID either wrong or not exist
3507	Installments are not allowed.
3508	Number of instalments must be equal to 0 or greater
3509	Missing firstInstallment, periodicalInstallment or numberOfInstallments.
10012	Saved payment option no longer valid
10013	Cannot register payment option at APM
10014	APM authentication error
10025	Invalid or missing parameter for MoneySend transaction
10026	Two-phase Auth-Settle process is not supported in the Visa Direct AFT program
10027	Non Domestic AFT is not allowed in the current issuer or merchant country
10028	Card-present transaction is not supported in the Visa Direct AFT program
10029	Installments program is missing or invalid.
10030	Number of installments must be valid and greater than 0.
10031	SenderName required for Crossborder transaction
10034	Invalid interval for AFT Credit Adjustment
10035	Missing RecipientCardNumber or RecipientToken value
10036	Batch Number of the transaction was marked as closed in the last 60 days
10037	The client is not configured to External Authorization
10038	sg_CascadeToCredit parameter is invalid
10040	Amount exceeds unreferenced refund Limit
10041	Missing mandatory field: "sg_TaxAmountBase"
10042	Missing mandatory field: "sg_personalID"
10043	Installments number exceeded the max allowed number, max number is 99
10044	Settle amount exceeds Authorization thresholds
10046	sg_BatchStartGMT is invalid (Past date)
10047	Batch Number of the transaction was marked as closed in the last 60 days
10048	Debit or Prepaid card types can not be processed in installment transaction.
10049	Visa Colombian domestic transaction should be sent in COP currency only
10050	Missing Mandatory field : sg_FirstName
10051	Missing Mandatory field : sg_LastName
10052	Address is required for Crossborder transaction
10053	City is required for Crossborder transaction
10054	AFT auth - Missing Identification values for South Africa - First Name
10055	Void not allowed on fast funds payouts
10056	Address is required for Cross-Border transaction
10057	City is required for Cross-Border transaction
10058	NameOnCard/FirstName + LastName is required for Cross-Border of South-African tr
10059	AFT auth - Missing Identification values for Brazil - Phone or Email
10060	Merchant Restriction configuration - Card Brand is not allowed to be process
10061	Country is required for Cross-Border transaction
10062	Invalid BAI value
10065	Merchant is not approved for Cross-border AFT
10066	Mandatory input param sg_Address is missing
10067	Mandatory input param sg_City is missing
10068	Mandatory input param sg_state is missing
10069	Mandatory input param sg_zip is missing
10070	Missing mandatory fields: "sg_BatchNumber
10071	Missing mandatory fields: "sg_BatchStartGMT
10072	Colombia domestic transaction is not allowed
10073	State does not match ISO Code
10074	AMEX doesn't support both 3D and External Token Provider (Apple Pay) transaction
10075	Paymentez doesn't support both 3D and External Token Provider transaction

Gateway Decline Reasons

This table contains some of the possible decline reasons (gwErrorReason) received from the Gateway.

Gateway Decline Reason
Account Closed
Acquirer validation
Activity limit exceeded
Admin Card Not Found
Already reversed
Amount mismatch
APM authentication error
Authentication Error
Authorization error
AVS Failed
Bank is not supported
Black listed by APM
Blocked, first used-transaction from new cardholder, and card not properly unblocked
Call issuer
Cannot verify PIN
Card declined
Card Not Eligible
Card not found - non-participating BIN/issuer
Card not found - participating BIN/issuer
Card Type Verification Error
Closed account
Closed account by issuer. Issuer will not approve same amount in next 30 days
Closed account.
Consumer Cannot Pay
Cryptographic error found in PIN
Cupon Already Used.
Customer has not given consent for PSD2 payment
CVV data is not correct
CVV2 Value supplied is invalid
Daily threshold exceeded
Decline
Declined
Default
Denied, do not repeat before 72 hours.
Different funding option required
Do not honor
Duplicate transaction
Duplicated transaction. Try later
E002-System error
E010-Invalid size of first name
E026-Invalid customer’s bank routing/ABA number
E040-The credit transaction is declined as daily credit limit is exceeded.
E201-Fraudulent or suspicious bank account
E202-Fraudulent or suspicious identity
E203-Fraudulent or suspicious transaction pattern
End user did not complete
Error in decryption of PIN block
Exceeded retry limit, issuer cannot approve at this time
Exceeded retry limit, issuer will never approve
Exceeds daily limits
Exceeds transaction limits
Exceeds withdrawal frequency
Exceeds withdrawal limit
Expired card
External Error In Processing
Failed 3DSecure Authentication
Format error
GENERAL DECLINE
General Error
Generic Decline
Global General Error
IM - Invalid Member Number
Incorrect PIN
Incorrect request parameter
Insufficient funds
Insufficient funds.
Invalid Account
Invalid Account Number
Invalid account specified
Invalid amount
Invalid argument
Invalid argument. Unknown alias
Invalid Card Number
Invalid Credit Type
Invalid Cupon.
Invalid CVV
Invalid CVV2
Invalid 'From' account specified
Invalid Issue Number
Invalid merchant
Invalid Merchant ID
Invalid phone number.
Invalid request parameter.
Invalid service code, restricted
Invalid 'To' account specified
Invalid transaction
Invalid transaction; contact card issuer
Issuer or switch inoperative
Life Cycle
Lost card, pick up (fraud account)
Lost card, pick-up
Lost/Stolen
Missing mandatory field
Negative CAM, dCVV, iCVV, or CVV results
No account
No action taken
No credit account
No current account
No savings account
No such issuer
No update, but the account is valid
Payee First Name / Last Name is missing or invalid
Payment Denied
Payment method Technical Error
Payment not authorized by user
Payment not authorized by user.
PayPal account was not verified, please contact PayPal support
PayPal Business account is not allowed
Pick up card (no fraud)
Pick up card, special condition (fraud account)
Pick-up card
PIN Code is required
PIN tried exceeded
PIN tries exceeded
Process canceled
Process cancelled.
Process failed
Receiving Limit exceeded
Re-enter transaction
Refer to issuer
Referral
Rejected by carrier.
Restricted card
Restricted card/bank account
Retry the transaction later
Revocation of all authorizations order
Revocation of authorization order
Routing error
SC_MISSING_MANDATORY_FIELD
Security violation
Security violations
Soft Decline - Authentication is Advised
Stolen card, pick up
Stolen card, pick up (fraud account)
Stolen card, pick-up
Suspected fraud
Suspected fraud by issuer. Issuer will not approve same amount in the next 30 days.
System Error
System not available
The Email field is mandatory
The message returned by the financial network is inconsistent.
The security code or expiration date was invalid.
Timeout/Retry
Transaction cannot be completed
Transaction cannot be completed; violation of law
Transaction declined, please contact support!
Transaction does not fulfil AML requirement
Transaction expired
Transaction is aborted.
Transaction Not Found
Transaction not permitted on terminal
Transaction not permitted to cardholder
Transaction not permitted to cardholder.
Transaction not permitted-Card
Transaction not permitted-Terminal
Tsys Filter - An error occured
Unable to locate, no match
Unable to refund
UNEXPECTED SYSTEM ERROR - PLEASE RETRY LATER
Unknown Error
User aborted the transaction
User account problem
User account problem.
Verification data failed
Violation of Gaming Regulation
Violation, cannot complete
You must repeat the transaction.

Payment Page Status Handling

Handling the Payment Page Response

After Nuvei attempts to process the payment, your customer is redirected to a relevant Transaction Outcome page on your site, depending on the results:

Field	Description
Success	When Nuvei processes the transaction successfully, your customer is redirected to your pre-defined Success page.
Pending	Nuvei redirects your customer to your pre-defined Pending page until a response is received.
Back	When the customer presses Back on the payment page, Nuvei redirects them to your pre-defined Back page.
DMN	The URL of your DMN listener. For more information, see Webhooks (DMNs).

Handling the Cashier Response

Nuvei also sends you a response via an HTTPS GET, which contains transaction details such as the outcome and customer payment details.

Four sets of parameters are sent as part of the HTTPS GET:

Parameter Set	Description
Transaction	These parameters include the original parameters that you sent to the payment page and define the outcome of the transaction, including the response checksum. See the full set of Output Transaction Parameters.
Payment	These parameters include the unprotected payment method information, as provided by the customer on the payment page, such as name on card, expiration date, and the credit card number. See the full set of Output Payment Parameters.
General	These parameters contain the details of the purchase including the item and amount. See the full set of Output General Parameters.
Other	These parameters are any custom fields you defined and any other miscellaneous parameters. See the full set of Output Other Parameters.

Appendix

Gateway Decline Description

This table presents the descriptions of some of the possible decline reasons (gwErrorReason) received from the Gateway.

Decline Reason	Description
Call issuer	Refers to the issuer. It is possible that such transactions could be authorized with voice AuthCode.
Invalid merchant	General decline message. Typically, this does not indicate any general issue with the merchant or MID. This decline reason is usually the result of an issue regarding an internal standard.
Pick up card	This is a general decline message from the issuer indicating that the consumer should retrieve the card. This message may be received when the card is reported as lost/stolen.
Do not honor	The most common and general issuer decline code. This code is generated by the issuer when no specific decline reason/code is returned.
External Error in Processing	This is a general error message. When receiving this error, the transaction may succeed when trying again later.
Pick up card, special condition (fraud account)	This is a general decline message from the issuer indicating that the consumer should retrieve the card. This message may be received when the card is reported as lost/stolen.
Invalid transaction	The most common and general issuer decline code. This code is generated by the issuer when no specific decline reason/code is returned.
Invalid amount	This decline code is the result of an issue with the transaction amount. This code may be triggered as a result of the currency or financial reasons such as insufficient funds.
Invalid card number	The transaction could not be processed with the provided card number. This may indicate that the card number does not exist.
No such issuer	This decline code indicates that there is a problem with the card number, for example, the credit card BIN does not match the range of any issuer in the acquirer’s list.
Unable to locate record in file	The transaction failed due to a technical issue. When receiving this error, the transaction may succeed when trying again later.
File temporarily not available	The transaction failed due to a technical issue. When receiving this error, the transaction may succeed when trying again later.
Format error	For Mastercard or Maestro Card, this decline code may be the result of an invalid CVV number or a CVV number that could not be verified. This decline code may also be generated as the result of a 3D-Secure related issue, for example, the issuer requires transactions to be 3D-Secure and the transaction was processed through a Non-3D-Secure account.
No credit account	This usually indicates that there is an issue with the account connected to the card, for example, the account is expired, cancelled, or does not exist.
Lost card	This decline code is returned when the card is listed as lost on the issuer’s side.
Stolen card	This decline code is returned when the card is listed as stolen on the issuer’s side.
Insufficient Funds	The card holder lacks sufficient funds to complete the transaction.
No checking account	This usually indicates that there is an issue with the account connected to the card, for example, the account is expired, cancelled, or does not exist.
No savings account	This usually indicates that there is an issue with the account connected to the card, for example, the account is expired, cancelled, or does not exist.
Expired card	The card is no longer valid or was cancelled. It is also possible that the expiration date does not match the card details.
Incorrect PIN	This decline code is similar to other PIN-based declines, and may indicate that the card is being blocked due to a security issue, such as exceeding the limit of PIN entry attempts at a point of sale.
Transaction not permitted to cardholder	The issuer did not allow this transaction against this card based on internal reasons, such as the transaction originated from a specifically restricted industry or country.
Transaction not permitted on terminal	The issuer rejected the transaction based on its technical origin or requester. When this error reoccurs, it may indicate that the Issuer does not allow transactions from this specific merchant or industry type.
Suspected fraud	The transaction is suspected to be fraudulent.
Exceeds withdrawal limit	The transaction amount exceeds the permitted amount for this card or account.
Restricted card	The card is marked as restricted on the issuer’s systems.
Error in decryption of PIN block	The decline code is the result of a security violation and may indicate that the card has been restricted.
Exceeds withdrawal frequency	The transaction amount or count exceeds the permitted frequency for this card or account.
Invalid transaction; contact card issuer	A general decline message likely indicating that the transaction was rejected for financial reasons, as well as the issuer’s internal standards.
PIN not changed	The transaction was declined as a result of the PIN code.
PIN tries exceeded	The card was blocked on the issuer’s system due to an excessive amount of PIN entry attempts at the point of sale. This decline code may be returned during an online transaction even though the PIN is not entered for online transactions. This message may be received when a card was blocked following a card-present transaction.
Invalid “To” account specified	This decline code is also known as ‘Unsolicited Reversal’, and might mean that the ‘to’ [debit] account does not exist, is not connected to the card, or card was restricted.
Invalid “From” account specified	The ‘from’ [credit] account does not exist.
Invalid account specified	This indicates that there is an issue with the account associated to the card number, for example, the number does not exist or is invalid.
System not available	This indicates that there was a technical issue preventing the completion of this transaction.
Cryptographic error found in PIN	This decline code is similar to other PIN-based declines, and may indicate that the card is being blocked due to a security issue, such as exceeding the limit of PIN entry attempts at a point of sale.
Cannot verify PIN	The transaction was declined as a result of the PIN code.
PIN unacceptable. Retry.	The transaction was declined as a result of an unacceptable PIN code.
Issuer or switch inoperative	The acquirer was unable to complete the transaction on the issuer’s side, for example, as a result of a timeout.
Routing error	This indicates that the transaction request could not reach the authorizing destination (scheme/issuer). This may indicate that the card type is not processed by the acquirer.
Transaction cannot be completed	The issuer could not complete the authorization of this transaction. If this occurs again, the cardholder should try contacting the issuer.
Duplicate transaction	Indicates that a transaction was sent twice.
Timeout/Retry	A timeout occurred between the acquirer and the issuer.
Invalid CVV2	The transaction was rejected as a result of the CVV2 and usually indicates that CVV2 provided does not match the card number. This code is relevant for Visa only.
Revocation of Authorization Order	This decline code may indicate that the cardholder requested to discontinue recurring transactions.
Revocation of All Authorizations Order	This decline code may indicate that the cardholder requested to discontinue recurring transactions.
Soft Decline – Authentication is Advised	The issuer has declined the transaction for authentication reasons. Running the transaction again with 3DS 2.0 / 1.0 might help to get the transaction approved.
3D-Secure authentication failed, payment not allowed.	Payment is not allowed. Do not request this payment again, not even as a Non-3D-Secure payment.
Closed account. Issuer will not approve same amount in next 30 days.	The cardholder cancelled the card. Should not retry the transaction with this card.
Suspected fraud, issuer will not approve in the next 30 days same amount.	Issuer marked the transaction as a suspected fraud. Should not retry the transaction with this card.
Closed account	The cardholder cancelled the card.