A server error has occurred. Please try again.

After the transaction was sent to the processor, no response was received. This probably occurred because the processor's gateway is temporarily down. Connectivity problems, if they do occur, are usually short lived.

ABORTED

The transaction was aborted by the customer.

Acceptor Contact Acquirer

The customer’s bank (card issuer) has declined the transaction.

Acceptor Contact Acquirer, Security

The customer’s bank has declined the transaction and requests the Merchant to contact the bank.

Account number, phone number validation failed. Received invalid response from remote entity

This is an error from the customer's bank (Usually temporary).

ACQUIRER_SYSTEM_ERROR

Acquirer system error occurred while processing the transaction.

Amount does not meet minimum amount allowed

The customer's has entered an amount below the mininum transaction amount allowed

Amount greater than daily transaction limit

This error occurs when the customer attempts a charge with an amount greater than the daily transaction amount limit applicable to your account

An error occurred while processsing your request

An error occurred while the issuer's bank processed the transaction.

An invalid response was received from remote host, see provider response code/message for details.

An OTP related error has occured, please contact support.

An error occurred while the issuer's bank authenticated the transaction using OTP. OTP Validation Failed

An unexpected error occurred

This occurs when our system fails to add the customer's cvv when sending out an authentication request.

An unknown error has occurred, please contact system administrator.

The customer’s bank (Card Issuer) has indicated there is a problem with the card number.

APPROVED

The transaction was successful.

Approved. Successful

The transaction was successful.

Auth Data error

An error occurred while trying to authenticate the customer's details. A pin with special characters was supplied.

Authentication of the cardholder could not be completed

Authentication was attempted but the card issuer did not perform the authentication.

AUTHENTICATION_ATTEMPTED

Authentication was attempted but the card issuer did not perform the authentication.

AUTHENTICATION_FAILED

3D secure authentication was attempted on the card, but the customer's bank did not authenticate the transaction.

AUTHENTICATION_NOT_AVAILABLE

Authentication is not currently available.

AUTHENTICATION_NOT_AVAILABLE_ERROR_DETAILS_PROVIDED

The customer's card is not enrolled for 3DSecure authentication.

Bank Not Supported By Switch

The customer’s bank (Card Issuer) has declined the transaction as it does not allow transactions originating through mail/telephone, fax, email or Internet orders.

BLOCKED

The transaction was declined because the customer entered invalid details

CANCELLED

Transaction cancelled by customer.

Cannot Complete, Violation Of The Law

The customer’s bank has declined the transaction and requests the customer to contact their bank.

Cannot connect, Event executor group is terminated.

Cannot retrieve account number from card

No primary account associated with the card.

Cannot retrieve account number from the card

No primary account associated with the card.

CANNOT_AUTHENTICATE_OTP

The customer's bank could not autenticate the OTP.

CANNOT_GENERATE_OTP

The token failed to generate a valid OTP.

Capture Card

The customer’s bank has declined the transaction as the card is suspected to be counterfeit. The customer’s bank (Card Issuer) has requested that the customer’s card be retained.

Card Acceptor, Contact Acquirer, Retain Card

The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (card reported lost or stolen).

Card Expiry is not in correct format

The customer entered the expiry date in the wrong format.

Card has expired

The customer’s bank (Card Issuer) has declined the transaction as the card appears to have expired.

Card holder is not enrolled

The card is not enrolled for 3DS authentication.

Card Issuer did not perform authentication of the card

This means the transaction window expired before the customer could authenticate the transaction.

Card Issuer Unavailable

The issuer was unavailable to authorize the transaction.

Card not registered on Token Platform

The card has not been enrolled for Safe Token at the bank.

Card type has not been configured for payment gateway

The customer is attempting the transaction with a card type not configured for Rave

Card validation failed. Error occured while processing your request.

3D secure authentication was attempted on the card, but the customer's bank did not authenticate the transaction.

Card validation failed. Received invalid response from remote entity.

3D secure authentication was attempted on the card, but the customer's bank did not authenticate the transaction.

CARD_DOES_NOT_SUPPORT_3DS

The card does not support 3DS authentication.

CARD_ENROLLED

The card is not enrolled for 3DS authentication.

CARD_NOT_ENROLLED

The card is not enrolled for 3DS authentication.

CARD_NOT_REGISTERED_ON_TOKEN_PLATFORM

The card has not been enrolled for Safe Token at the bank.

Cardholder browser session timed out

Cardholder failed authentication by the card Issuer.

This means authentication on the card was done and the customer's card failed.

Cardholder verification failed

The transaction likely failed due to the card not passing 3D-Secure validation check at the time the transaction was been processed.

child "card" fails because [child "cvc" fails because ["cvc" length must be 3 characters long]]

The code entered by the customer exceeds the required number of digits (3 digits).

child "card" fails because [child "number" fails because ["number" length must be at least 14 characters long, "number" should be a valid card number]]

This error occurs if the credit card number entered by the customer contains characters other digits, or bank does not recognize this number as a valid credit card number

child "card" fails because [child "number" fails because ["number" must be a GTB NGN mastercard]]

The card number entered by the customer exceeds the required number of characters for a GTB NGN Mastercard (19 characters).

child "card" fails because [child "number" fails because ["number" should be a valid card number]]

This error occurs if the credit card number entered by the customer contains characters other digits, or bank does not recognize this number as a valid credit card number

Contact Acquirer

The customer’s bank (Card Issuer) has declined the transaction.

Contact Acquirer Security Department, Retain Card

The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (card reported lost or stolen).

Correct cvv2 not found. Cvv2 has to be present and numeric

Correct pin not found. Pin has to be present and numeric

The card pin entered by the customer is incorrect.

Could not extract response: no suitable HttpMessageConverter found for response type class com.interswitch.paymentservice.model.remote.PayResponse and content type text/html;charset=utf-8

Could not resolve transaction after 5 tries

Internal attempts made to verify the state of transactions failed after 5 trials.

Could not verify this payment

For International card transactions, Card details supplied on the Bank 3D-Secure page do not match with what the bank has on file.

Customer Cancellation

The customer cancelled the transaction.

Cutoff In Progress

The customer’s bank is temporarily not able to process this customer’s card.

CVV must be 3 characters

The code entered by the customer did not meet the required number of digits (3 digits).

CVV Validation Error

The customer’s bank has declined the transaction as the CVV is incorrect.

Daily transaction limit exceeded

This error occurs when the customer exceeds the daily allowed transaction limit applicable to their bank account.

data not block size aligned

This occurs for Verve cards when invalid characters are passed as PIN.

Declined

The transaction was declined by the customer's bank.

Declined because CSC failed

This means the transactions was declined because an invalid Card Security Code was provided.

DECLINED_AVS

This occurs when a customer enters a billing address different from the one on their card statement. The Address Verification System check is put in place to help prevent unauthorized use of credit cards and to also minimize charge-back occurrences for merchants.

DECLINED_AVS_CSC

This occurs when a customer enters a billing address different from the one on their card statement. The Address Verification System check is put in place to help prevent unauthorized use of credit cards and to also minimize charge-back occurrences for merchants.

DECLINED_CSC

Transaction declined due to card security code.

DECLINED_DO_NOT_CONTACT

Transaction declined - do not contact issuer.

DECLINED_PAYMENT_PLAN

Transaction declined due to payment plan.

DEFERRED_TRANSACTION_RECEIVED

Deferred transaction received and awaiting processing.

Do Not Honor

The customer’s bank has declined the transaction as the card number has failed a security check, or the funds may have been frozen or depleted.

Do Not Honour

The customer’s bank has declined the transaction as the card number has failed a security check, or the funds may have been frozen or depleted.

Duplicate Transaction

A transaction was recently submitted with the same Reference Number, or the same card number and amount. The payment gateway refused to process this transaction in order to prevent a duplicate transaction.

E5015: Merchant [Detty_Rave] does not support currency [GHS]-Verification Attempted

Authentication was attempted on the card, but was declined because the merchant doesn't accept payment from GHS currency.

E5015: Merchant [Detty_Rave] does not support currency [USD]-Verification Attempted

Authentication was attempted on the card, but was declined because the merchant doesn't accept payment from USD currency.

E5431-06121035%3A+Invalid+Field+%3A+CardSecurityCode

Transaction declined due to customer inputting an invalid card security code.

E8200-09221925: description : Card type [AE], currency [GHS], txType [PRCH] - no relationship-Verification Attempted

either remote server cannot be reached or network connection was reset/broken

Error

The customer’s bank (Card Issuer) has declined the transaction as there is a problem with the card number.

Error Occurred. Could Not Authenticate Token

Error processing request, please try again

An error occurred while the issuer's bank processed the transaction.

Error validating signature on response

ERROR_COMMUNICATING_WITH_DIRECTORY_SERVER

An error occurred while the customer's card scheme attempted to authenticate the transaction. The cause is usually temporal.

ERROR_PARSING_AUTHENTICATION_RESPONSE

There was an error processing customer security details.

EXCEEDED_RETRY_LIMIT

Transaction retry limit exceeded.

Exceeds Maximum Amount Allowed

The customer's has entered an amount above the maximum transaction amount allowed

Exceeds withdrawal amount limits

The customer had exceeded their withdrawal limit for the day.

Exceeds withdrawal frequency

Bank withdrawal frequency has been reached.

Exceeds withdrawal frequency limit

Bank withdrawal frequency has been reached.

Exceeds Withdrawal Limit

The customer’s bank has declined the transaction as it will exceed the customer’s card limit.

Expired Card

The customer’s bank (Card Issuer) has declined the transaction as the card appears to have expired.

Expired Card, Capture

The customer’s bank (Card Issuer) has declined the transaction as card has expired or the date is incorrect.

Expired+Card

The customer’s bank (Card Issuer) has declined the transaction as the card appears to have expired.

ExpiryDate format is incorrect

The customer entered an invalid expiry date

Failed

This error is normally returned directly from the service provider for unknown reasons.

Failed to retrieve Card

There was an error with the Android API.

FAILURE-BLOCKED

Transaction blocked due to internal risk blocking rules.

FAILURE-BLOCKED (Approved)

Transaction blocked due to our internal risk blocking rules.

FAILURE-DECLINED

The transaction was declined by the customer’s bank.

FAILURE-DECLINED (Do not honour)

The customer’s bank has declined the transaction as the card number has failed a security check, or the funds may have been frozen or depleted.

FAILURE-DECLINED (Exceeds withdrawal amount limits)

The customer had exceeded their withdrawal limit for the day.

FAILURE-DECLINED (Exceeds withdrawal frequency limit)

The customer has used the card for withdrawal above his withdrawal frequency limits.

FAILURE-DECLINED (Invalid card number)

fai

FAILURE-DECLINED (Invalid merchant)

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction.

FAILURE-DECLINED (Lost Card)

The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost.

FAILURE-DECLINED (Pick up card)

The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (the card has been reported lost or stolen).

FAILURE-DECLINED (Restricted card)

The customer’s bank has declined the transaction as the card has some restrictions.

FAILURE-DECLINED (Stolen Card, Pick up)

The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (the card has been reported stolen).

FAILURE-DECLINED (Transaction not permitted to cardholder)

The customer’s card issuer has declined the transaction as this card cannot be used for this type of transaction.

FAILURE-EXPIRED_CARD

The customer’s bank (Card Issuer) has declined the transaction as the credit card appears to have expired.

FAILURE-EXPIRED_CARD (Expired card)

The customer’s bank (Card Issuer) has declined the transaction as the credit card appears to have expired.

FAILURE-INSUFFICIENT_FUNDS (Not sufficient funds)

The customer’s bank (Card Issuer) has declined the transaction as the card does not have sufficient funds.

FAILURE-TIMED_OUT

The Customer’s bank failed to authenticate the transaction before the transaction window timed out.

FAILURE-TIMED_OUT (Issuer or switch inoperative)

This means the processor timed out and couldn't process the payment.

FAILURE-UNKNOWN (INVALID_PIN)

The customer entered an invalid PIN

FAILURE-UNSPECIFIED_FAILURE

This error is normally returned from the issuer because the transaction could not be processed.

FAILURE: BLOCKED

Transaction blocked due to Risk or 3D Secure blocking rules.

FAILURE: DECLINED

The transaction was declined by the customer's bank.

FAILURE: DECLINED (Do not honour)

This means the transaction was declined by the bank. This could be because the card is a lost or stolen card, there is a lien on the customer account etc.

FAILURE: DECLINED (Exceeds withdrawal amount limits)

The customer had exceeded their withdrawal limit for the day.

FAILURE: DECLINED (Exceeds withdrawal frequency limit)

The customer has used the card for withdrawal above his withdrawal frequency limits.

FAILURE: DECLINED (Invalid card number)

The customer provided an invalid card number.

FAILURE: DECLINED (Invalid merchant)

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction.

FAILURE: DECLINED (Lost Card)

The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost.

FAILURE: DECLINED (No such issuer)

The customer’s card issuer has declined the transaction as this card cannot be used for this type of transaction

FAILURE: DECLINED (Pick up card)

The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (the card has been reported lost or stolen).

FAILURE: DECLINED (Restricted card)

The customer’s bank has declined the transaction as the card has some restrictions.

FAILURE: DECLINED (Stolen Card, Pick up)

The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (the card has been reported stolen).

FAILURE: DECLINED (Transaction not permitted to cardholder)

The customer’s card issuer has declined the transaction as this card cannot be used for this type of transaction

FAILURE: EXPIRED_CARD

Transaction declined due to expired card.

FAILURE: EXPIRED_CARD (Expired card)

The customer’s bank (Card Issuer) has declined the transaction as the credit card appears to have expired.

FAILURE: INSUFFICIENT_FUNDS

Transaction declined due to insufficient funds.

FAILURE: INSUFFICIENT_FUNDS (Not sufficient funds)

This means the customer does not have sufficient funds to complete the transaction.

FAILURE: REFERRED

The customer’s card issuer has indicated there is a problem with the card number.

FAILURE: REFERRED (Refer to card issuer)

The customer’s card issuer has indicated there is a problem with the card number.

FAILURE: SYSTEM_ERROR

After the transaction was sent to the processor, no response was received. This probably occurred because the processor's gateway is temporarily down. Connectivity problems, if they do occur, are usually short lived.

FAILURE: TIMED_OUT

The Customer’s bank failed to authenticate the transaction before the transaction window timed out.

FAILURE: TIMED_OUT (Issuer or switch inoperative)

This means the processor timed out and couldn't process the payment.

FAILURE: UNKNOWN

The transaction failed - the issuing bank has returned an unknown response.

FAILURE: UNSPECIFIED_FAILURE

The transaction failed - the issuing bank has returned an unknown response.

Format Error

The customer’s bank (Card Issuer) does not recognize the transaction details.

Function Not Permitted to Cardholder

The Customer’s bank has declined the transaction as this card cannot be used for this type of transaction.

Function Not Permitted to Terminal

The Customer’s bank has declined the transaction as this card cannot be used for this type of transaction.

Function Not Supported

The customer’s bank (Card Issuer) has declined the transaction as it does not allow this type of transaction.

Having Issues? Please call us on 0700 ZENITHBANK

This is a temporary issue customer sometimes experience while trying to pay with Zenith Bank.

Having issues? Please call GTConnect on +234 700 48266 6328

This is a temporary issue customer sometimes experience while trying to pay with GTBank.

Having Issues? Please call us on 0700 ZENITHBANK

This is a temporary issue customer sometimes experience while trying to pay with Zenith Bank.

I/O error: Connection reset; nested exception is java.net.SocketException: Connection reset

I/O error: Read timed out; nested exception is java.net.SocketTimeoutException: Read timed out

Produced by Flutterwave when no response to the transaction has been received from the bank gateway within predefined time period

I5154-04140903: Invalid Card Number : CardNum

The customer entered an invalid card number.

I5154-09221153: Invalid Card Number : authentication found invalid card-Verification Attempted

The customer entered an invalid card number.

Illegal hexadecimal character at index 3

The customer’s bank (Card Issuer) has declined the transaction as the customer has entered a PIN with invalid characters.

Illegal hexadecimal character at index 4

The customer’s bank (Card Issuer) has declined the transaction as the customer has entered a PIN with invalid characters.

Incorrect PIN

The customer’s bank (Card Issuer) has declined the transaction as the customer has entered an incorrect PIN.

Insufficient Funds

The customer’s bank (Card Issuer) has declined the transaction as the card does not have sufficient funds.

Insufficient+Funds

The customer’s bank (Card Issuer) has declined the transaction as the card does not have sufficient funds.

Internal processing error

This response could indicate a problem with the back-end processing network, not necessarily a problem with the payment method.

International Cards not permitted on this Platform

The customer attempted a transaction with an international card which is not permitted on Rave

Invalid Amount

The customer’s card issuer has declined the transaction because of an invalid format or field. An invalid character (e.g. a dollar sign or a space) may be being passed to Flutterwave.

Invalid Amount!

The customer’s card issuer has declined the transaction because of an invalid format or field. An invalid character (e.g. a dollar sign or a space) may be being passed to Flutterwave.

Invalid authentication credentials: Missing access key Id

Authentication credentials i.e. Pin, CVV, password are missing or incorrect.

Invalid Card Number

The customer’s bank (Card Issuer) has declined the transaction as the card number does not exist.

Invalid Card Type

The customer made use of a card type not permitted on Rave.

Invalid Card Verification Code!

The customer’s bank has declined the transaction as the CVV is incorrect.

Invalid Currency!

The customer’s card issuer has declined the transaction because of an invalid format or field. An invalid ccurrency may be being passed to Flutterwave.

invalid expiry date format, must be YYMM

The customer entered the expiry date in the wrong format.

Invalid Expiry Date!

The customer entered the expiry date in the wrong format.

Invalid Merchant

Transaction was refused by the card issuer.

Invalid Password

Invalid Password is for VBV, some banks use password instead of IPIN.

Invalid Payment Type

The customer is attempting to make use of a payment type not accepted by the merchant's platform

invalid token supplied

The transaction failed due to the customer entering an incorrect or expired token pin.

Invalid transaction

The customer’s bank (Card Issuer) has declined the transaction because of an invalid format or field. This could also occur when a transaction for the same amount and merchant is attempted multiple times quickly for the same card.

INVALID_CSC

Invalid card security code.

INVALID_DIRECTORY_SERVER_CREDENTIALS

The credentials provided with the request do not have permission to access the requested data.

INVALID_REQUEST: Invalid credentials.

The credentials provided with the request do not have permission to access the requested data.

INVALID_REQUEST: Invalid data. Could not construct and store authentication result

INVALID_REQUEST: Missing parameter. value: null - reason: A CSC value is required for the transaction source used for this transaction

Transaction declined due to customer inputting an invalid card security code.

INVALID_REQUEST: Relationship not found for merchantID 3057****, card type AE

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction.

INVALID_REQUEST: Relationship not found for merchantID 3057****, card type DC

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction.

INVALID_REQUEST: Relationship not found for merchantID 3057****, card type DS

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. DS stands for Discover card.

INVALID_REQUEST: Relationship not found for merchantID 3057****, card type EL

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. EL stands for Elo card.

INVALID_REQUEST: Relationship not found for merchantID 3057****, card type JC

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction.

INVALID_REQUEST: Relationship not found for merchantID 3057****, card type LS

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction.

INVALID_REQUEST: Relationship not found for merchantID 3057****, card type MC

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. MC stands for Mastercard.

INVALID_REQUEST: Relationship not found for merchantID 3057****, card type MS

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. MS stands for Maestro card.

INVALID_REQUEST: Relationship not found for merchantID 3057****, card type RU

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. RU stands for Rupay.

INVALID_REQUEST: Relationship not found for merchantID 3057****, card type VC

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. VC stands for Visa card.

INVALID_REQUEST: Relationship not found for merchantID 3057****, trans type PRCH, card type AE

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. AE stands for American Express.

INVALID_REQUEST: Relationship not found for merchantID 3057FL01, card type CU

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. CU stands for Maestro.

INVALID_REQUEST: Relationship not found for merchantID FAPY0178M, card type VC

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction.

INVALID_REQUEST: Relationship not found for merchantID FLVTEST-M, card type AE

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. AE stands for American Express.

INVALID_REQUEST: Relationship not found for merchantID FLVTEST-M, card type MC

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. MC stands for Mastercard.

INVALID_REQUEST: Relationship not found for merchantID FLVTEST-M, card type VC

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction. VC stands for Visa card.

INVALID_REQUEST: Relationship not found for merchantID FLVTEST-M, card type VI

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction.

INVALID_REQUEST: Relationship not found for merchantID PG-DGTL-E, card type MS

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction.

INVALID_REQUEST: Relationship not found for merchantID UBAFLUTTERNG, card type MS

The customer’s bank declined the transaction, typically because the card in question does not support this type of transaction.

INVALID_REQUEST: Unexpected failure

An error occurred while the transaction was been processed.

INVALID_REQUEST: Value '<ThreeDSec...eeDSecure>' is invalid. Invalid character '<'

The customer entered an invalid security code

INVALID_REQUEST: Value '0.00' is invalid. Amount must be greater than zero

INVALID_REQUEST: Value '0.00' is invalid. Transaction or order amount must be greater than zero

INVALID_REQUEST: Value '000' is invalid. Length is 3 characters, but must be less than 3

INVALID_REQUEST: Value '234144x5252' is invalid. Cannot determine card brand.

A mobile number is being passed as Card number.

INVALID_REQUEST: Value '3057FL01' is invalid. No valid Merchant Acquirer Relationship available

We are investigating this issue.

INVALID_REQUEST: Value '3688.69' is invalid. Too many decimal places specified for value [3688.69]

INVALID_REQUEST: Value '412585xx9634' is invalid. Cannot determine card brand.

Card brand cannot be determined with the supplied combo (of 1st 6 and last 4).

INVALID_REQUEST: Value 'xxxx' is invalid. value: xxxx - reason: Invalid secure code length

The transaction was declined due to the customer entering an incorrect secure code.

INVALID_SIGNATURE_ON_AUTHENTICATION_RESPONSE

INVALID_TOKEN_SUPPLIED

The transaction failed due to the customer entering an incorrect or expired token pin.

Issuer Bank Timeout

Produced by Flutterwave when no response to the transaction has been received from the bank gateway within predefined time period

Issuer or Switch Inoperative

Temporal bank error.

Kindly enter the mobile no registered with your bank

The customer's card has not been enrolled for Safe Token at the bank. The bank wants to start the enrollment process, hence why your phone number is required, but that has to be done at the bank.

Kindly enter the OTP sent to *******0000 and a*******@yahoo.com. OR enter the OTP generated on your Hardware Token device.

This is pending response instructing the customer on how to authenticate. The customer would have gotten this while using a token because the card is a Verve card. As of now, Verve cards can't be charged using a token.

Kindly enter the OTP sent to 234802***4177

This is pending response instructing the customer on how to authenticate. The customer would have gotten this while using a token because the card is a Verve card. As of now, Verve cards can't be charged using a token.

Kindly enter the OTP sent to the mobile registered with your bank

This is pending response instructing the customer on how to authenticate. The customer would have gotten this while using a token because the card is a Verve card. As of now, Verve cards can't be charged using a token.

LOCK_FAILURE

Order locked - another transaction is in progress for this order.

Lost Card

The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost.

Lost Card, Pick-Up

The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost.

Merchant has not been configured for bin

Mobile phone number not in acceptable format

The mobile phone number entered by the customer is not in the acceptable format.

MPI_PROCESSING_ERROR

This is a result of refused/failed authentication during 3-D Secure process. At transaction time, the MPI (Merchant Plug-in) identifies the cardholder's details and sends request to the card issuer to determine if the card is enrolled in a 3-D Secure scheme

No Action Taken

The payment was held in the processing queue too long and was rejected without processing. Usually a due to slow bank responses.

No Action Taken by Financial Institution

The payment was held in the processing queue too long and was rejected without processing. Usually a due to slow bank responses.

No bin was found for this pan

The BIN number entered by the customer was likely invalid and therefore could not be used to identify the issuing bank and country.

No Card Record

The Customer’s bank has declined the transaction as the card number does not exist.

No Check Account

The bank failed to identify the check account. The account entered by the customer could be invalid

No Cheque Account

The customer’s bank (Card Issuer) has declined the transaction as the card number is associated to a cheque account that does not exist.

No Credit Account

The customer’s bank has declined the transaction as the card number used is not a credit account.

No Hardware, No SMS sent

The bank failed to send an OTP code due to the customer not having a registered token and available mobile number.

No Investment Account

The customer’s bank (Card Issuer) has declined the transaction as the account type selected is not valid for this card number.

No Issuer

The customer’s bank (Card Issuer) does not exist.

No Message

This means the processor timed out and couldn't process the payment.

No Savings Account

The customer’s bank (Card Issuer) has declined the transaction as the card number is associated to a savings account that does not exist.

No Such Financial Institution

The customer’s bank (Card Issuer) does not exist.

No such issuer

The customer’s bank (Card Issuer) does not exist.

No Sufficient Funds

This means the customer does not have sufficient funds to complete the transaction.

No Universal Account

The customer’s bank (Card Issuer) has declined the transaction as the account type selected is not valid for this card number.

NOMESSAGE

This occurs when our system is unable to retrieve the customer's card details.

Not sufficient funds

This means the customer does not have sufficient funds to complete the transaction.

NOT_ENROLLED_3D_SECURE

Card holder is not enrolled in 3D Secure.

NOT_ENROLLED_NO_ERROR_DETAILS

The card is not enrolled for 3DS authentication.

NOT_SUPPORTED

Transaction type not supported

Odd number of characters.

Original Amount Incorrect

The customer’s bank has declined the transaction due to the amount attempting to be processed.

PAN is invalid

First 6 digits of card is Invalid.

PAN is invalid.

First 6 digits of card is Invalid.

PAYMENT_ALREADY_PROCESSED

This happens when there's an attempt to (re-) validate an already validated transaction.

Pending, Validation

Pick Up Card

The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (the card has been reported lost or stolen).

Pick Up Card, Special

The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (card reported lost or stolen).

Pick-up card

The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (card reported lost or stolen).

Pick-Up Card, Special Condition

The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (card reported lost or stolen).

Pickup card (lost card)

The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (card reported lost or stolen).

PIN cannot be empty

pin contains an invalid character

The PIN contains a character other than numbers.

PIN Tries Exceeded

The customer’s bank has declined the transaction as the customer has entered the incorrect PIN more than three times.

PIN Tries Exceeded, Capture

The customer’s bank (Card Issuer) has declined the transaction as the customer has entered the incorrect PIN three times. The customer’s bank (Card Issuer) has requested you retain the card.

PIN Tries Exceeded, Pick-Up

The customer’s bank (Card Issuer) has declined the transaction as the customer has entered the incorrect PIN three times. The customer’s bank (Card Issuer) has requested you retain the card.

Press the white button on your GTB token and type the transaction code generated

The customer failed to input the correct token code.

Previous message located for a repeat or reversal, but repeat or reversal data are inconsistent with original message

Re-enter the Last Transaction

The transaction has not been processed and the customer should attempt to process the transaction again.

Reached max trials for login

The customer’s bank has declined the transaction as the customer has entered the wrong login details multiple times.

Redis command timed out; nested exception is io.lettuce.core.RedisCommandTimeoutException: Command timed out after 5 second(s)

Produced by Flutterwave when no response to the transaction has been received from the bank gateway within predefined time period

Refer to card issuer

This error occurs when deposits are been attempted using a blocked card/account.

Refer to Financial Institution

The bank has indicated there is a problem with the card number.

Refer to Financial Institution, Special Condition

The bank has indicated there is a problem with the card number.

REFERRED

Transaction declined - refer to issuer.

Request In Progress

The customer’s bank (Card Issuer) has indicated there is a problem with the card number.

Request to Generate Token is Successful

The customer failed to enter their token pin before the transaction timed out.

Resource not found

Response Received Too Late

The transaction failed due to a delay in received required response from the customer's bank

Restricted Card

The customer’s bank has declined the transaction as the card has some restrictions.

Restricted Card, Retain Card

The customer’s bank (Card Issuer) has declined the transaction and requested that the customer’s card be retained (card reported lost or stolen).

Restricted Currency

The currency passed during the transaction is not permitted on the rave modal.

Routing Error

The card number is incorrect. This error indicates that there is no bank that corresponds to the first 6 digits of the card number.

Security Violation

The customer’s bank has declined the transaction.

SERVER_BUSY: Operation temporarily rejected because the system is busy. Try again in 10 seconds.

SERVER_FAILED: Please contact customer support quoting the support code.

Produced by the bank gateway, textual description of the actual problem is stored in the database

Service Unavailable

The payment processor was unavailable for the transaction.

Sorry that's an invalid currency for the selected authmodel

The customer is attempting the transaction using an invalid currency for the platform's authmodal

Sorry, that Card AVS failed!

This occurs when a customer enters a billing address different from the one on their card statement. The Address Verification System check is put in place to help prevent unauthorized use of cards and to also minimize charge-back occurrences for merchants.

Sorry, that OTP is invalid (FALSE). Please check and try 2 again

Invalid OTP.

Sorry, that OTP is invalid. Please try again

Invalid OTP.

Sorry, that's an invalid OTP. Please try again

The customer failed to input the correct OTP.

Sorry, Transaction Failed. Please try again

The transaction was declined by the bank.

Sorry, transaction not found

The original transaction was not found after multiple attempt to validate the transaction.

Sorry, we could not connect to your bank

There has been an error connecting to the banking connector to process the payment. This may occur due to an outage.

Sorry, we could not find that transaction. Please try again

The transaction was not created on our end.

Sorry, you have exceeded your allowed limit for a single transaction

This error occurs when the customer attempts a charge with an amount greater than their allowed transaction limit applicable to your account

Sorry, You have exceeded your allowed limit for today

The customer’s bank has declined the transaction as it will exceed the customer’s allowed daily limit.

Sorry, you need to add cvv to your request

Sorry, you need to add expmth to your request

Sorry, you need to add expyear to your request

Sorry, you need to add otp to your request

Sorry, your card cannot be added at the moment. Please try later.

Sorry, your card could not be verified

This means 3D Secure authentication was not successful.

Sorry, your card failed AVS verification

This occurs when a customer enters a billing address different from the one on their card statement. The Address Verification System check is put in place to help prevent unauthorized use of credit cards and to also minimize charge-back occurrences for merchants.

Sorry, your card is not enrolled for 3-D Secure authentication

The card is not enrolled for 3-D Secure authentication.

Sorry, your card is not enrolled for 3-D Secure Payments

The card is not enrolled for 3-D Secure authentication

Sorry, your transaction could not be completed

The transaction could not be processed by the bank

Sorry, your transaction has expired

This means the transaction window expired before the customer could authenticate the transaction.

SOURCE_NOT_FOUND|Triafor Solutions Limited

This is an error from the provider and Teleco.

Stolen Card

The customer’s bank (Card Issuer) has declined the transaction as the card has been reported stolen.

Stolen Card, Pick up

The customer’s bank (Card Issuer) has declined the transaction as the card has been reported stolen.

Stolen Card, Pick-UpStolen Card, Pick-Up

The customer’s bank (Card Issuer) has declined the transaction as the card has been reported stolen.

Suspected Fraud

The transaction did not check out, so bank placed a temporary hold.

Suspected Fraud, Retain Card

The customer’s bank (Card Issuer) has declined the transaction as there is a suspected fraud on this card number.

Suspected Malfunction

The customer’s bank (Card Issuer) has declined the transaction as there is a suspected fraud on this card number.

System Error

This occurs when no response was received from our processor. This probably occurred because the processor's gateway is temporarily down. Connectivity problems, if they do occur, are usually short lived.

System Malfunction

This occurs when no response was received from our processor. This probably occurred because the processor's gateway is temporarily down. Connectivity problems, if they do occur, are usually short lived.

SYSTEM_ERROR

After the transaction was sent to the processor, no response was received. This probably occurred because the processor's gateway is temporarily down. Connectivity problems, if they do occur, are usually short lived.

The card holder was not authorised. This is used in 3-D Secure Authentication.-Verification Attempted

The card used likely failed the bank's authentication check at the time the transaction was processed

The Cvv2 contains an invalid character

Transaction declined due to customer inputting an invalid card security code.

The issuer or Switch Inoperative

This usually turns up when there is an error with the bank such as a downtime. The cause is usually temporal.

The PIN contains an invalid character

The PIN contains a character other than numbers.

The service provider is unreachable at the moment, please try again later.

This usually turns up when there is an error with the bank such as a downtime. The cause is usually temporal.

Timed Out

The Customer’s bank failed to authenticate the transaction before the transaction window timed out.

TIMED_OUT

The Customer’s bank failed to authenticate the transaction before the transaction window timed out.

Timed+out

The Customer’s bank failed to authenticate the transaction before the transaction window timed out.

Token Authentication Failed. Incorrect Token Supplied.

This means the customer input an incorrect token pin from an unsuccessful transaction attempt.

Token Authentication failed. Received invalid response from remote entity.

This means the customer is using a token pin from an unsuccessful transaction attempt.

Token Authorization Not Successful. Incorrect Token Supplied

This means the customer is using a token pin from an unsuccessful transaction attempt.

TOKEN n/a IS INVALID FOR TOKEN CHARGE

This means the customer is using a token pin from an unsuccessful transaction attempt.

Token Not Generated. Customer Not Registered on Token Platform

This occurs when the card been passed is not registered on the token platform. Card has not been enrolled for Safetoken

Tokenization Failed

This error occurs when an attempt is made to perform a tokenized charge with an invalid or non-existent token.

Transaction Approved

The transaction was processed successfully

Transaction could not be retrieved

The transaction failed.

Transaction Error

There was an error processing the transaction.

Transaction Expired

This means the transaction window expired before the customer could authenticate the transaction.

Transaction Failed

This error is normally returned directly from the customer's bank for an unknown reason.

Transaction Failed-AUTHENTICATION_ATTEMPTED

Authentication was attempted but the card issuer did not perform the authentication.

Transaction Failed-AUTHENTICATION_FAILED

3D secure authentication was attempted on the card, but the customer's bank did not authenticate the transaction.

Transaction Failed-AUTHENTICATION_NOT_AVAILABLE_ERROR_DETAILS_PROVIDED

This means that at the time the transaction was been processed the customer's bank was unable to authenticate the transaction.

Transaction Failed-Cardholder verification failed

The transaction likely failed due to the card not passing 3D-Secure validation check at the time the transaction was been processed.

Transaction Failed-ERROR

This error is normally returned directly from the customer's bank for an unknown reason.

Transaction Failed-ERROR_COMMUNICATING_WITH_DIRECTORY_SERVER

An error occurred while the customer's card scheme attempted to authenticate the transaction. The cause is usually temporal.

Transaction Failed-INVALID_SIGNATURE_ON_AUTHENTICATION_RESPONSE

Transaction Failed-MPI_PROCESSING_ERROR

This is a result of refused/failed authentication during 3-D Secure process. At transaction time, the MPI (Merchant Plug-in) identifies the cardholder's details and sends request to the card issuer to determine if the card is enrolled in a 3-D Secure scheme

Transaction Failed. Please try again

This error is normally returned directly from the customer's bank for an unknown reason.

Transaction is under processing, please use transaction requery to check status

Transaction Not Completed

This indicates that a request message was sent to our provider but no response was received within the timeout period.

Transaction not found

The original transaction was not found after multiple attempt to validate the transaction.

Transaction not Permitted on Terminal

Transaction not Permitted to Cardholder

The customer’s card issuer has declined the transaction as the card cannot be used for this type of transaction.

Transaction was blocked by the Payment Server because it did not pass all risk checks.

This means the transaction was declined by the fraud engine.

Unable to Locate Record On File

The customer’s bank (Card Issuer) does not recognize the card details.

Unable to retrieve transaction

The transaction failed.

Unable To Route Transaction

The customer’s bank cannot be found for routing. This response code is often returned when the customer is using a test card number.

Unacceptable Transaction Fee

An unspecified bank error has occurred. No further information is available from Flutterwave or the bank.

Uncategorised

Your Card has been blacklisted

UNKNOWN

The transaction failed - the issuing bank has returned an unknown response.

Unspecified Failure

The transaction failed - the issuing bank has returned an unknown response.

UNSPECIFIED_FAILURE

The transaction failed - the issuing bank has returned an unknown response.

Unspecified+Failure

The transaction failed - the issuing bank has returned an unknown response.

USD not permitted on this Card

The customer's bank declined the transaction because the customer passed an invalid card for a USD transaction.

Verification Attempted

3D secure authentication was attempted on the card, but the customer's bank did not authenticate the transaction.

Violation of law

webpay.interswitchng.com: No address associated with hostname

Response unknown

Wrong token or email passed

You can not provide an OTP to conclude this transaction

Your account does not seem to have a phone number, email or hardware token provisioned. Please contact your account officer.

The card used ikely does not have the necessary details to conduct authentication.

Your payment has exceeded the time required to pay

Transaction window has expired

Restricted Merchant

This error was due to card network restrictions

Restricted Country

The card country passed during the transaction is not permitted on the rave modal.

Request parameters are invalid or missing

The payload sent to the gateway contains invalid or missing parameters needed to process the transaction

Card Network Error

At the time the transaction was been processed, the gateway was unable to connect to the card association. This likely occured due to downtime on the card association.

A server error occured. Please try again.

After the transaction was sent to the processor, no response was received. This probably occurred because the processor's gateway is temporarily down. Connectivity problems, if they do occur, are usually short lived.

Account closed

This indicates the transaction was declined by the issuer because the customer's account linked to the card was closed

An unexpected error occurred!

This occurs when our system fails to add the customer's cvv when sending out an authentication request.

Blocked Card

Transaction blocked due to internal risk blocking rules.

Decline - Invalid account number

Card issuer is unable to validate the account number associated with the card.

Declined: Amount over maximum

The customer's has entered an amount above the maximum transaction amount allowed

Declined: Bad CAVV

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

Declined: Bad Cvv2

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

Declined: Expired card

The customer’s bank (Card Issuer) has declined the transaction as the card appears to have expired.

Declined: Format error

This error indicates that the transaction was declined due to a technical issue on the bank.

Declined: Format of one or more elements is invalid according to the specification.:CH.expiry

The customer’s bank has declined the transaction as the transaction data i.e. Expiry date was in an incorrect format

Declined: General

The customer’s bank has declined the transaction as the card number has failed a security check, or the funds may have been frozen or depleted.

Declined: Incorrect PIN

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

Declined: Invalid account

The customer’s bank (Card Issuer) has declined the transaction as the account type selected is not valid for this credit card number.

Declined: Invalid advance amount

This indicates the customer entered an amount below the allowed minimum transaction amount permitted for processing.

Declined: Invalid card status

This indicates that the customer's card details could not be verified by the bank. This could occur when the customer enters an invalid card pan.

Declined: Invalid transaction

This indicates the card issuer does not permit the transaction on this card/account.

Declined: Lost or stolen card

The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost.

Declined: Maximum number of times used

The customer’s bank has declined the transaction as the customer has entered the incorrect PIN more than three times.

Declined: Not enrolled or element is missing

The card is not enrolled for 3DS authentication.

Declined: Number of PIN tries exceeded

The customer’s bank has declined the transaction as the customer has entered the incorrect PIN more than three times.

Declined: Pin Tries Limit Exceeded

The customer’s bank has declined the transaction as the customer has entered the incorrect PIN more than three times.

Declined: Restricted status

The customer’s bank has declined the transaction as the credit card has some restrictions.

Declined: System error

This error indicates that the transaction was declined due to a technical issue on the customer's bank.

Declined: Transaction not supported by institution

This indicates the customer's card isn't enrolled for 3DS processing.

Declined: Unable to authorize – call issuer

The customer’s bank has declined the transaction as the card number has failed a security check, or the funds may have been frozen or depleted.

Declined: VEReq.pan

This indicates the customer's card isn't enrolled for 3DS processing.

Denied

The customer’s bank has declined the transaction as the card number has failed a security check, or the funds may have been frozen or depleted.

Do Not Honour: We're sorry, we cannot charge your card due to bank restrictions. Please contact your bank or financial institution.

The customer’s bank has declined the transaction as the card number has failed a security check, or the funds may have been frozen or depleted.

E5431-12030426: Invalid Field : CardSecurityCode

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

ElectronicCommerceIndicator ThreeDSecure or ThreeDSecureAttempted required

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

Error Occurred. Could Not Generate Token

This indicates the transaction timed out because no token was sent to the customer from their bank. This could occur due to intermittent downtime on the provider.

Error processing request null, please try again

This indicates an intermittent downtime occurred on the provider when the transaction was initiated

Exceeds withdrawal amount limit

The customer's has entered an amount above the maximum transaction amount allowed

Expired Card: This card cannot be charged because it has expired, please try a different card or contact your financial institution.

The customer’s bank (Card Issuer) has declined the transaction as the card appears to have expired.

FAILURE-SYSTEM_ERROR

This error indicates that the transaction was declined due to a technical issue on the customer's bank.

FAILURE-UNSPECIFIED_FAILURE (Allowable number of PIN tries exceeded)

The customer’s bank has declined the transaction as the customer has entered the incorrect PIN more than three times.

FAILURE-UNSPECIFIED_FAILURE (Invalid Amount)

The customer’s card issuer has declined the transaction because of an invalid format or field. An invalid character (e.g. a dollar sign or a space) may be being passed to Flutterwave.

FAILURE-UNSPECIFIED_FAILURE (Invalid Transaction)

This indicates the card issuer does not permit the transaction on this card/account.

FAILURE-UNSPECIFIED_FAILURE (Transaction not permitted acquirer/terminal)

This error indicates that the transaction was declined due to a technical issue on the bank.

FAILURE: UNSPECIFIED_FAILURE (Allowable number of PIN tries exceeded)

The customer’s bank has declined the transaction as the customer has entered the incorrect PIN more than three times.

FAILURE: UNSPECIFIED_FAILURE (Invalid Transaction)

This indicates the card issuer does not permit the transaction on this card/account.

FAILURE: UNSPECIFIED_FAILURE (No universal account)

The customer’s bank (Card Issuer) has declined the transaction as the account type selected is not valid for this credit card number.

FAILURE: UNSPECIFIED_FAILURE (System Error)

This error indicates that the transaction was declined due to a technical issue on the customer's bank.

FAILURE: UNSPECIFIED_FAILURE (Transaction not permitted acquirer/terminal)

This error indicates that the transaction was declined due to a technical issue on the bank.

Function Not Permitted to Cardholder: We're sorry, we cannot charge your card due to bank restrictions. Please contact your bank or financial institution.

This indicates the card issuer does not permit the transaction on this card/account.

Function Not Permitted to Terminal: We're sorry, we cannot charge your card due to bank restrictions. Please contact your bank or financial institution.

This error indicates that the transaction was declined due to a technical issue on the bank.

General Error (Exception)

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

Insufficient fund

Transaction declined due to insufficient funds.

Insufficient Funds: Your card cannot be charged due to insufficient funds. Please try another card or fund your card and try again.

Transaction declined due to insufficient funds.

Invalid authentication data

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

Invalid card Number!

The customer’s bank has declined the transaction as the card pan was incorrect.

Invalid CardSecurityCode (null); valid chars are 0123456789

This error occurred due to invalid CVV.

Invalid Expiry date

The customer’s bank (Card Issuer) has declined the transaction as the card appears to have expired.

Invalid expiry date/Card period

The customer’s bank (Card Issuer) has declined the transaction as the card appears to have expired.

INVALID_REQUEST: Relationship not found for merchantID 3057FL36, card type MS

This indicates a processing error occurred during processing on Flutterwave.

INVALID_REQUEST: Value '024' is invalid. Length is 3 characters, but must be less than 3

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

INVALID_REQUEST: Value '231214xxxx...xxxxxx6891' is invalid. Length is 21 characters, but must be less than 20

The customer’s bank has declined the transaction as the card pan was incorrect.

INVALID_REQUEST: Value '3057FLA1' is invalid. No valid Merchant Acquirer Relationship available

This indicates a processing error occurred during processing on Flutterwave.

INVALID_REQUEST: Value '406101xxxxxxxxxx7148' is invalid. Length is 20 characters, but must be less than 20

The customer’s bank has declined the transaction as the card pan was incorrect.

INVALID_REQUEST: Value '418745xx0096' is invalid. Cannot determine card brand.

The customer’s bank has declined the transaction as the card pan was incorrect.

INVALID_REQUEST: Value '418745xx0096' is invalid. Unknown card type

The customer’s bank has declined the transaction as the card pan was incorrect.

INVALID_REQUEST: Value 'FLWGBNG003' is invalid. No valid Merchant Acquirer Relationship available

This indicates a processing error occurred during processing on Flutterwave.

INVALID_REQUEST: Value 'ngn' is invalid. Invalid character 'n'

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

INVALID_REQUEST: Value 'WMAFLW' is invalid. No valid Merchant Acquirer Relationship available

This indicates a processing error occurred during processing on Flutterwave.

INVALID_REQUEST: Value 'x' is invalid. Length is 1 characters, but must be at least 3

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

INVALID_REQUEST: Value 'xx' is invalid. Length is 2 characters, but must be at least 3

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

INVALID_REQUEST: Value 'xxx' is invalid. value: xxx - reason: Invalid secure code

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

INVALID_REQUEST: Your request contains sub-merchant details but the gateway does not support aggregator/sub-merchant functionality on your acquirer. Please contact your Payment Services Provider.

This indicates a processing error occurred during processing on Flutterwave.

Kindly enter the OTP sent to *******1780 and a*******@yahoo.com

This indicates the transaction timed out because the customer didn't enter the OTP sent to their phone/email

Kindly enter the OTP sent to 234703***0167. Didn't get the OTP? Dial *322*0# on your phone (MTN, Etisalat, Airtel) Glo, use *805*0#.

This indicates the transaction timed out because the customer didn't enter the OTP sent to their phone/email

Kindly use the redirect URL to complete payment

The customer failed to complete the transaction within the stipulated time (10 mins).

Lost Card: We are unable to verify your card, please contact your financial institution. In the meantime you can try another card

The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost.

Missing CardHolderAuthenticationData

The customer’s bank has declined the transaction as the authentication data i.e. PIN, CVV or OTP were incorrect.

Pick Up Card: We're sorry, we cannot charge your card due to bank restrictions. Please contact your bank or financial institution.

The customer’s bank (Card Issuer) has declined the transaction as the card has been reported lost.

Restricted Card: We're sorry, we cannot charge your card due to bank restrictions. Please contact your bank or financial institution.

The customer’s bank has declined the transaction as the credit card has some restrictions.

SERVER_BUSY: E5603 Context: Fatal initialisation failure, Could not obtain valid Terminal, giving up. MerchantId=FLWGBNG024, AcquirerId=ACCESSNIGERIA_S2I

This indicates a processing error occurred during processing on Flutterwave.

SERVER_BUSY: Operation temporarily rejected because the system is busy. Try again in 10 seconds.

This indicates a processing error occurred during processing on Flutterwave.

Sorry we could not connect to your bank

Issuer or issuer processor cannot authorize, for example because of downtime.

Sorry, card transaction failed. Please try again

Issuer or issuer processor cannot authorize, for example because of downtime.

Sorry, you need to add cardno to your request

This indicates no card detail was sent to the gateway for processing.

Token Authorization Successful

This means the customer entered a valid pin but the transaction was declined by the provider due to their security checks

Transaction Failed-FAILED

This error occurred due to an internal error during processing

Transaction failed-Transaction failed

This error occurred due to an internal error during processing

Transaction is abandoned

Transaction window has expired

Transaction not permitted to merchant

The card country passed during the transaction is not permitted on the rave modal.

Your activity is under review due to irregular transaction patterns. Please contact support

This error indicates your card has been flagged.

FAIL_-1 1 FAIL_2006 54 FAIL_ETP40117 2 FAIL_IC40253 36

This error is a Telco error

Allowable number of PIN tries exceeded

The customer’s bank has declined the transaction as the customer has entered the incorrect PIN more than three times.

Amount must not be more than 2 decimals point

The amount parameter submitted in the request is incorrectly formatted, contains invalid characters and / or is the incorrect length.

Authentication Failed

3D secure authentication was attempted on the card, but the customer's bank did not authenticate the transaction.

Card cvv must be 3 Digit

The customer’s bank has declined the transaction as the CVV is incorrect.

Card cvv must be provided

This indicates CVV/Expiry Date/OTP was not passed to the gateway for validation.

Card not enrolled for ProtectBuy

This indicates that the customer is using a card not currently supported on our system e.g Discover

Card token expired, please re-tokenize the card

This indicates that the customer's card needs to be tokenized again

Card was not properly tokenised. Please contact support

This indicates that the customer's card needs to be tokenized again

Customer Canceled

This indicates that the customer cancelled the transaction

DECLINED (Card verification failed, please contact your bank)

The transaction failed likely due to the card not passing/failing 3D-Secure validation check at the time the transaction has been processed.

DeviceNotSupported or MerchantNotEnabled

This indicates that the customer is using a phone that does not support Applepay

Do Not Honour: We're sorry, we cannot charge your card due to bank restrictions. Please contact your

The customer's transaction request was declined by their bank

ECI_00-DECLINED (Card verification failed, please contact your bank)

Customer’s card isn’t enabled for 3DS2 auth / they didn’t fully complete authentication hence we didn’t pass a charge to their bank

ECI_01-APPROVED (Card verification failed, please contact your bank)

Customer’s card isn’t enabled for 3DS2 auth / they didn’t fully complete authentication hence we didn’t pass a charge to their bank

ECI_01-DECLINED (Card verification failed, please contact your bank)

Customer’s card isn’t enabled for 3DS2 auth / they didn’t fully complete authentication hence we didn’t pass a charge to their bank

ECI_07-DECLINED (Card verification failed, please contact your bank)

Customer’s card isn’t enabled for 3DS2 auth / they didn’t fully complete authentication hence we didn’t pass a charge to their bank

ECI_07-PENDING (Card verification failed, please contact your bank)

Customer’s card isn’t enabled for 3DS2 auth / they didn’t fully complete authentication hence we didn’t pass a charge to their bank

Error Invalid cardNumber

The customer’s bank has declined the transaction as the card pan was incorrect.

Error processing transaction, please try again

This would occur if the provider is currently inactive. The request to core proxy timedout

Exceeds ACS Max Challenges

This indicates that the customer failed several attempts to authenticate transaction.

Expired Card: This card cannot be charged because it has expired, please try a different card or con

The customer’s bank (Card Issuer) has declined the transaction as the credit card appears to have expired.

FAILED-DECLINED (AUTHENTICATION_UNSUCCESSFUL)

3D secure authentication was attempted on the card, but the customer's bank did not authenticate the transaction.

FAILED-PENDING (AUTHENTICATION_INITIATED)

3D secure authentication was not attempted on the card so the customer's bank did not authenticate the transaction.

FAILED-RR (Transaction failed)

This indicates an error occurred while the transaction was being processed.

FAILURE-DO_NOT_PROCEED (FAILURE)

3D secure authentication was attempted on the card, but the customer's bank did not authenticate the transaction.

FAILURE-PROCEED (FAILURE)

3D secure authentication was attempted on the card, but the customer's bank did not authenticate the transaction.

FAILURE: DECLINED (Fraud/Security (Mastercard use only))

Applies for Mastercard. The transaction is refused because the card issuer suspects this payment to be fraudulent. This error covers these failure reasons: Suspected fraud or lost/stolen cards

FAILURE: DECLINED (Life cycle (Mastercard use only))

Applies for Mastercard. The transaction is refused due to invalid card or expired card data.

FAILURE: DECLINED (Policy (Mastercard use only))

Applies for Mastercard. The transaction is refused due to a policy reason. These policies could be on the customer's limit, card or allowable amount. This error covers these failure reasons: Restricted cards, transaction limit exceeded or invalid amount

FAILURE: UNSPECIFIED_FAILURE (Invalid Amount)

An invalid character (e.g. a dollar sign or a space) may be being passed to the gateway. Please check your website’s code and correct this.

FAILURE: UNSPECIFIED_FAILURE (Security violation)

The customer’s bank has declined the transaction. The customer should use an alternate credit card.

Forter declined transaction

F4B fraud detection system has flagged the customer

Fraud/Security error, please contact your bank

Applies for Mastercard. The transaction is refused because the card issuer suspects this payment to be fraudulent.

Function Not Permitted to Cardholder: We're sorry, we cannot charge your card due to bank restrictio

The customer’s bank (Card Issuer) has declined the transaction as it does not allow this type of transaction. The customer should use an alternate credit card.

Function Not Permitted to Terminal: We're sorry, we cannot charge your card due to bank restrictions

The customer’s bank (Card Issuer) has declined the transaction as it does not allow this type of transaction. The customer should use an alternate credit card.

Function Not Supported: We're sorry, we cannot charge your card due to bank restrictions. Please con

The customer’s bank (Card Issuer) has declined the transaction as it does not allow this type of transaction. The customer should use an alternate credit card.

INVALID_REQUEST

This indicates a processing error occurred during processing on Flutterwave.

INVALID_REQUEST:Missing merchant privilege 'Device Payments'.

This indicates a processing error occurred during processing on Flutterwave.

Invalid Billing Country

This occurs when a customer enters a billing address different from the one on their card statement. The Address Verification System check is put in place to help prevent unauthorized use of credit cards and to also minimize charge-back occurrences for merchants.

Invalid Billing length, Address is more than 100

This occurs when a customer enters a billing address that is too lengthy. Maximum allowable characters is 100

Invalid Card Country

This occurs when the country on the customer's card statement is not supported by our provider. For example, Only cards issued in US/EU/GB can be used to make deposit in USD/EUR/GBP on SEND

Invalid OTP. Please try again.

Customer entered an invalid OTP

Invalid or Unsupported Card Type

The customer is attempting the transaction with a card type not currently supported on our system

Invalid response

This is an error from the customer's bank (Usually temporary).

Invalid security code.

The customer entered an invalid security code

Invalid voucher pin supplied.

The customer entered an invalid security code

Life cycle error, please contact your bank

Applies for Mastercard. The transaction is refused due to invalid card or expired card data.

PENDING-DO_NOT_PROCEED (PENDING)

3D secure authentication was not attempted on the card so the customer's bank did not authenticate the transaction.

Payment token retrieval has been initiated

This indicates that the customer did not complete 3D secure validation on Google pay

Pending redirect to issuer's 3DS authentication page

This indicates that the customer did not complete transaction possibly due to their bank not responding with a 3DS authentication page

Pin length must be 4 characters long

The customer entered an invalid security code

Please contact customer support quoting the support code.

This occurs because pay with Barter currently unavailable

Please enter the OTP sent to your mobile number

The customer failed to input the correct OTP.

Policy error, please contact your bank

Applies for Mastercard. The transaction is refused due to a policy reason. These policies could be on the customer's limit, card or allowable amount. This error covers these failure reasons: Restricted cards, transaction limit exceeded or invalid amount

Redemption order has expired. Please initiate another.

This is an internal error from F4B

Refer to card issuer, special condition

This error occurs when deposits are been attempted using a blocked card/account.

Request was not successful

This occurs when the request to core proxy times out

SCA required under PSD2, please contact your bank

This error indicates the transaction was declined by the customer's bank.

SERVER_BUSY

This indicates that there is a provider downtime (temporarily)

SERVER_FAILED

This indicates that there is a provider downtime (temporarily)

Some error occured while trying to process your payment

This indicates a processing error occurred during processing on Flutterwave.

Sorry, we could not charge your card. Please try again

This indicates that the card issuer does not permit the transaction on this card/account.

The issuer has declined the transaction because it will exceed the customer’s card limit. Ask the cu

The customer’s bank has declined the transaction as it will exceed the customer’s card limit.

The issuing bank has declined the transaction as this card cannot be used for this type of transacti

This indicates the card issuer does not permit the transaction on this card/account.

The issuing bank is unwilling to accept the transaction. Ask the customer for a different card to co

This indicates the card issuer does not permit the transaction on this card/account.

The transaction is declined by the issuer because it appears fraudulent. Monitor all the transaction

The transaction is refused because the card issuer suspects this payment to be fraudulent.

The transaction is denied by the issuing bank as there aren’t enough funds in the associated bank ac

The customer’s bank (Card Issuer) has declined the transaction as the card does not have sufficient funds.

There was an issue processing this payment. Please try a different card. ERR: amount

This would occur when F4B is passing amount as decimal

There was an issue processing this payment. Please try a different card. ERR: cardnumber

The customer’s bank has declined the transaction as the card pan was incorrect.

There was an issue processing this payment. Please try a different card. ERR: cvv

The customer’s bank has declined the transaction as the CVV is incorrect.

There was an issue processing this payment. Please try a different card. ERR: mid

This would occur when F4B is not passing the Merchant ID

There was an issue processing this payment. Please try an alternate payment method.

This would occur when F4B is not passing the Merchant ID hence no payment method was chosen for merchant

TimeOut calling postilion service

This indicates that there is a provider downtime (temporarily)

Timeout

This indicates that there is a provider/network downtime (temporarily)

Transaction Failed-This card is temporarily restricted. Please try again after some time.

The customer’s bank has declined the transaction as the credit card has some restrictions.

Transaction Timed Out at ACS

3D secure authentication was attempted on the card, but the customer did not authenticate the transaction before the transaction timed out

Transaction failed, please try again

This indicates that there is a internal downtime (temporarily)

Transaction in progress

This indicates that the customer yet to authenticate the transaction.

Unknown Issuer Code

This means 3D Secure authentication was not successful and the customer's bank returned an unknown response

Unknown code

This could indicate several things for example the customer's card BIN has been blacklisted

Value 'USD' is invalid. Invalid Currency Code

Authentication was attempted on the card, but was declined because the merchant doesn't accept payment from USD currency.

pending redirect

This indicates that the customer did not complete transaction possibly due to their bank not responding with a 3DS authentication page or customer abandoning payment

Value '352842xxxxxx0005' is invalid. The combination of currency, card type and transaction type i

The customer is attempting the transaction with a card type not currently supported on our system

We are currently unable to process your request. Please try again after some time

This indicates that we are unable to process payment for the particular card/currency, possibly due to an intermittent downtime on the provider when the transaction was initiated

We currently cannot complete this transaction at the moment. Please try a different card. ERR: PAY

This indicates that we are unable to process payment for the particular card/currency, possibly due to an intermittent downtime on the provider when the transaction was initiated

We currently cannot complete this transaction at the moment. Please try a different card. ERR: cvv

This indicates that we are unable to process payment for the particular card/currency, possibly due to an intermittent downtime on the provider when the transaction was initiated

Information not on file

This would occur when a customer's card is hotlisted indicating that the card issuer does not permit the transaction on this card/account.