---
description: >-
  The Inyo Gateway uses a comprehensive set of response codes to indicate the
  status and results of transaction processing
---

# Response Code

Each response code is associated with a specific context and HTTP status code, providing clarity and actionable insights..

## Customer-Facing Messages — Security Guidelines

> **⚠️ Important:** Internal response codes must **never** be exposed directly to end users. Detailed error codes reveal information about your payment infrastructure, fraud rules, and issuer behavior that can be exploited by bad actors to refine fraudulent transactions.

Instead, map internal codes to **generic, user-friendly messages**. The table below provides a recommended mapping:

### Recommended Customer-Facing Messages

#### "Check if the card information provided is correct."

Use for tokenization errors, invalid card data, CVV/expiry mismatches, and address verification failures.

| Codes                                                                                                                             |
| --------------------------------------------------------------------------------------------------------------------------------- |
| `CAD_001` `CAD_002` `CAD_003` `CAD_004` `CAD_005` `CARD_010` `CA_006` `CA_007`                                                    |
| `PAY_035` `PAY_041` `PAY_046` `PAY_045` `PAY_029` `PAY_087`                                                                       |
| `PAY_050` `PAY_049` `PAY_048` `PAY_047` `PAY_052` `PAY_051` `PAY_054` `PAY_053` `PAY_056` `PAY_055` `PAY_058` `PAY_057` `PAY_059` |

#### "Additional verification is required. Please try again and complete verification."

Use for PIN-related errors, 3DS failures, and additional authentication requests.

| Codes                                                       |
| ----------------------------------------------------------- |
| `PAY_088` `PAY_097` `PAY_099` `PAY_107` `PAY_113` `PAY_114` |
| `PAY_122` `PAY_123` `PAY_124` `PAY_125` `PAY_146`           |

#### "Your bank declined this payment. Please contact your bank or try another payment method."

Use for issuer declines, card restrictions, expired cards, and network-level rejections. This is the catch-all for most issuer-driven failures.

| Codes                                                                           |
| ------------------------------------------------------------------------------- |
| `PAY_067` `PAY_063` `PAY_064` `PAY_680` `PAY_700` `PAY_699` `PAY_042`           |
| `PAY_090` `PAY_089` `PAY_072` `PAY_073` `PAY_074` `PAY_075`                     |
| `PAY_079` `PAY_078` `PAY_080` `PAY_081` `PAY_082` `PAY_083` `PAY_085` `PAY_086` |
| `PAY_091` `PAY_092` `PAY_093` `PAY_094` `PAY_096`                               |
| `PAY_100` `PAY_101` `PAY_102` `PAY_103` `PAY_104` `PAY_105` `PAY_106`           |
| `PAY_108` `PAY_109` `PAY_110` `PAY_112`                                         |
| `PAY_116` `PAY_117` `PAY_118` `PAY_119` `PAY_120` `PAY_121`                     |
| `PAY_126` `PAY_127` `PAY_128` `PAY_130` `PAY_131` `PAY_132` `PAY_133`           |

#### "This payment couldn't be processed. Try another payment method or contact support."

Use for fraud/risk blocks, blacklist hits, and gateway-level rejections. Keep the message intentionally vague — do not hint at fraud detection.

| Codes                                                       |
| ----------------------------------------------------------- |
| `PAY_030` `PAY_038` `PAY_039` `PAY_040`                     |
| `PAY_139` `PAY_140` `PAY_141` `PAY_145` `PAY_066` `PAY_508` |

#### "Insufficient funds. Please use another payment method or add funds and try again."

Use for balance-related declines.

| Codes                                             |
| ------------------------------------------------- |
| `PAY_084` `PAY_499` `PAY_256` `PAY_231` `PAY_016` |

#### "This payment exceeds the allowed limit. Please use a smaller amount or try another method."

Use for amount limit violations.

| Codes                                                                 |
| --------------------------------------------------------------------- |
| `PAY_399` `PAY_630` `PAY_515` `PAY_481` `PAY_482` `PAY_444` `PAY_096` |

#### "Transaction limit reached. Please try again later or use another method."

Use for velocity/frequency limit violations.

| Codes                                                                           |
| ------------------------------------------------------------------------------- |
| `PAY_484` `PAY_483` `PAY_514` `PAY_513` `PAY_512` `PAY_511` `PAY_510` `PAY_509` |

#### "This request has been processed. Please avoid resubmitting the same transaction."

Use for duplicate transaction attempts.

| Codes                                                       |
| ----------------------------------------------------------- |
| `CAD_011` `PAY_620` `PAY_319` `PAY_318` `PAY_317` `PAY_320` |
| `PAY_311` `PAY_310` `PAY_323` `PAY_011` `PAY_009`           |

#### "Bank details could not be validated. Please confirm the recipient bank information and try again."

Use for payout/push errors related to recipient bank data validation.

| Codes                                                                 |
| --------------------------------------------------------------------- |
| `PAY_650` `PAY_621` `PAY_575` `PAY_574` `PAY_566` `PAY_565` `PAY_560` |
| `PAY_590` `PAY_589` `PAY_587` `PAY_586` `PAY_553` `PAY_551`           |
| `PAY_333` `PAY_325` `PAY_344` `PAY_343` `PAY_342`                     |
| `PAY_349` `PAY_348` `PAY_347` `PAY_346`                               |

#### "Information is missing or invalid. Please review and try again."

Use for generic validation errors, missing fields, and malformed requests.

| Codes                                                                                                                             |
| --------------------------------------------------------------------------------------------------------------------------------- |
| `GE_002` `PAY_065` `PAY_447` `PAY_486` `PAY_274` `PAY_278` `PAY_276` `PAY_275` `PAY_277`                                          |
| `PAY_666` `PAY_678` `PAY_519` `PAY_060` `PAY_269` `PAY_271` `PAY_270` `PAY_524` `PAY_532`                                         |
| `PAY_212` `PAY_213` `PAY_211` `PAY_210` `PAY_209` `PAY_207` `PAY_206` `PAY_205` `PAY_204` `PAY_203` `PAY_202` `PAY_201` `PAY_200` |
| `PAY_214` `PAY_215` `PAY_216` `PAY_217` `PAY_218` `PAY_219` `PAY_220` `PAY_221` `PAY_222` `PAY_223` `PAY_224` `PAY_225`           |
| `PAY_253` `PAY_252` `PAY_251` `PAY_250` `PAY_249` `PAY_248` `PAY_247` `PAY_246` `PAY_245`                                         |
| `PAY_260` `PAY_259` `PAY_267` `PAY_266` `PAY_265` `PAY_264` `PAY_263` `PAY_262`                                                   |

#### "Can't process this request right now. Please try again later."

Use for system errors, timeouts, and temporary failures.

| Codes                                                      |
| ---------------------------------------------------------- |
| `GE_001` `PAY_640` `PAY_501` `PAY_505` `PAY_506` `PAY_507` |
| `PAY_112` `PAY_281` `PAY_304` `PAY_480`                    |

### Implementation Example

```javascript
const CUSTOMER_MESSAGES = {
  'card_data': 'Check if the card information provided is correct.',
  'verification': 'Additional verification is required. Please try again and complete verification.',
  'issuer_decline': 'Your bank declined this payment. Please contact your bank or try another payment method.',
  'fraud_block': "This payment couldn't be processed. Try another payment method or contact support.",
  'insufficient': 'Insufficient funds. Please use another payment method or add funds and try again.',
  'limit': 'This payment exceeds the allowed limit. Please use a smaller amount or try another method.',
  'velocity': 'Transaction limit reached. Please try again later or use another method.',
  'duplicate': 'This request has been processed. Please avoid resubmitting the same transaction.',
  'bank_validation': 'Bank details could not be validated. Please confirm the recipient bank information and try again.',
  'invalid_input': 'Information is missing or invalid. Please review and try again.',
  'system_error': "Can't process this request right now. Please try again later.",
};

// Map response codes to message categories
function getCustomerMessage(responseCode) {
  // Your mapping logic here — see tables above
  // NEVER return the raw responseCode or internal message to the customer
}
```

> **Tip:** Log the full `responseCode` and `message` internally for debugging and support, but only show the mapped customer-friendly message in your UI.

***

## Internal Response Codes Reference

The table below is the **complete internal reference** for development and debugging. These codes and descriptions should only appear in server logs, admin dashboards, and support tools — never in customer-facing interfaces.

#### Response Codes Table

| Code | Description |
| :--- | :--- |
| 00 | Payment Approved |
| GE_001 | Generic Error |
| CAD_011 | External ID already exists |
| PAY_700 | Blocked by cardholder/contact cardholder |
| PAY_699 | Transaction not supported/blocked by issuer |
| PAY_680 | Declined by issuer |
| PAY_679 | Bank not found |
| PAY_678 | Value provided for one of the fields is too short. |
| PAY_677 | TransactionDetail secondaryId must be null. |
| PAY_676 | SenderDetail paymentCredentialReference must be null. |
| PAY_675 | Recipient card paymentCredentialReference must be null. |
| PAY_674 | TaxAmount field in Structured Remittance Information is not supported by this route |
| PAY_673 | Unstructured Remittance Information should not be present with Structured Remittance Information in payout |
| PAY_672 | Structured remittance information is not supported for payment method 'W' |
| PAY_671 | Tax amount is always positive and greater than zero |
| PAY_670 | ReferredDocumentInformation data block exceeds the maximum length |
| PAY_669 | Tax Amount and Tax Currency Code must be provided together |
| PAY_668 | Structural Remittance Information is disabled for this environment |
| PAY_667 | Structured Remittance array is larger than supported |
| PAY_666 | Value provided for one of the fields has incorrect format |
| PAY_665 | Amount in SRI does not equal payout request amount |
| PAY_664 | Structural Remittance Information currency code must match recipientDetail.bank.currencyCode for selected route |
| PAY_663 | Minimum required structured remittance information is not provided. Amount, Currency code and creditor reference information is required and creditor reference code must be SCOR for the selected route |
| PAY_662 | StructuredRemittance data block exceeds the maximum length. |
| PAY_661 | StructuredRemittance array not supported for selected route |
| PAY_660 | Negative signed amount provided for an invoice |
| PAY_659 | Positive signed amount provided for a credit note |
| PAY_658 | None of the available routes for this transaction support structured remittance information |
| PAY_657 | If structuredRemittance object is included in the payload then a referredDocumentInformation or a creditorReference array must be included |
| PAY_656 | If structuredRemittance object is included in the payload then amountCurrencyCode is mandatory |
| PAY_655 | If structuredRemittance object is included in the payload then amount is mandatory |
| PAY_654 | If creditorReference is provided then code is mandatory |
| PAY_653 | If creditorReference is provided then number is mandatory |
| PAY_652 | If referredDocumentInformation is provided then number is mandatory |
| PAY_651 | If referredDocumentInformation is provided then code is mandatory |
| PAY_650 | Recipient bank account cannot be validated. Bank or identity information is missing or incorrect. |
| PAY_649 | Payout method does not match the recipient details provided |
| PAY_648 | Recipient account identifier phone number not in correct format |
| PAY_647 | Only Recipient wallet account identifier type PHONENUMBER supported for this wallet operator |
| PAY_646 | IBAN is not enabled on SEPA Instant |
| PAY_645 | Route is not allowed. |
| PAY_644 | The initiatingPartyId is too long. |
| PAY_643 | Transaction not in a cancellable state. |
| PAY_642 | The length of the field is incorrect. |
| PAY_641 | Additional Data Name under Transaction Details is not in the correct format. |
| PAY_640 | Undefined Internal Error. Please contact your Visa representative for assistance. |
| PAY_639 | Quote ID is invalid |
| PAY_638 | The currency pair associated with the Quote ID does not match the currency pair in the Payout request. |
| PAY_637 | Quote ID does not belong to the given Initiating Party ID |
| PAY_636 | Quote ID not found |
| PAY_635 | Quote ID has expired |
| PAY_634 | Initiating Party ID is not correct |
| PAY_633 | Recipient tax code (RUC) is required and has not been provided or is not correct |
| PAY_632 | Data for Sender country is required to process your payout request |
| PAY_631 | Transaction Amount or derived Destination Amount is 0 |
| PAY_630 | Transaction amount exceeds the transaction limit |
| PAY_629 | Sender type supported is Individual for this payout |
| PAY_628 | Data for Sender address is required to process your payout request |
| PAY_627 | Data for Sender date of birth is required to process your payout request |
| PAY_626 | Recipient type supported is Individual for this payout |
| PAY_625 | Configuration error. Onboarding incomplete. Please contact your Visa representative. |
| PAY_624 | Sender reference number contains special characters. |
| PAY_623 | Recipient additional data value contains special characters or exceeds max length allowed. |
| PAY_622 | One or more of sender or reciepient identity data is missing or invalid |
| PAY_621 | Recipient bank code or bank account number is required to process your payout request |
| PAY_620 | This is a duplicate transaction |
| PAY_619 | Purpose of payment is not correct |
| PAY_618 | Configuration error. Please contact your Visa representative. |
| PAY_617 | Data provided for one or more Sender fields is not required for this destination country |
| PAY_616 | Sender company registration number is not correct |
| PAY_615 | Data for one or more Sender fields are required to process your payout request |
| PAY_614 | Data for one or more Sender fields are not correct or contains special characters |
| PAY_613 | Duplicate data for one or more Sender identification list fields exists |
| PAY_612 | Sender ID number is not correct |
| PAY_611 | Only one form of identification is required for the Sender |
| PAY_610 | Data for one or more Sender fields contains alpha and/or special characters. |
| PAY_609 | Data for one or more Sender fields contains special characters |
| PAY_608 | Data for one or more Sender identification list fields is not correct |
| PAY_607 | Sender date of birth is not correct |
| PAY_606 | Sender type must be 'I' for Individual or 'C' for Company |
| PAY_605 | Data for one or more Sender fields is required to process your payout request |
| PAY_604 | Sender identity type is mandatory for this route |
| PAY_603 | Sender province is not correct/ Sender province or state is not correct |
| PAY_602 | Sender email address is not correct |
| PAY_601 | Sender ID type is not correct |
| PAY_600 | Sender ID issue country is not correct |
| PAY_599 | Data for one or more Sender country fields is not correct |
| PAY_598 | Data provided for one or more Sender fields is not currently supported |
| PAY_597 | Combination of Recipient bank account number and Recipient bank code type is not correct |
| PAY_596 | Combination of Recipient bank code and Recipient bank branch code is not correct |
| PAY_595 | Recipient bank code is not currently supported for this payout request |
| PAY_594 | Combination of Recipient 'IBAN' bank account number and Recipient bank code is not correct |
| PAY_593 | Recipient bank account number has failed the modulus check |
| PAY_592 | Recipient bank country code does not support IBAN account numbers |
| PAY_591 | Recipient bank country code requires IBAN account number to process this payout request |
| PAY_590 | Recipient bank BIC is not correct |
| PAY_589 | Recipient bank BIC contains special characters. |
| PAY_588 | Data for one or more fields are not correct or contains special characters. |
| PAY_587 | Recipient bank BIC is not correct |
| PAY_586 | Recipient bank BIC is required to process your payout request |
| PAY_585 | Remove the Recipient bank account number suffix. The suffix is included in the Recipient bank account number. |
| PAY_584 | Recipient bank account number suffix is required to process your payout request |
| PAY_583 | Recipient bank account type contains special characters. |
| PAY_582 | Recipient bank account type is not correct. |
| PAY_581 | Recipient bank account type is required to process your payout request |
| PAY_580 | Recipient bank account number suffix contains special characters. |
| PAY_579 | Recipient bank account number suffix contains alpha and/or special characters. |
| PAY_578 | Recipient bank account number has failed the modulus check. |
| PAY_577 | Recipient bank account number contains special characters. |
| PAY_576 | Recipient bank account number contains alpha and/or special characters. |
| PAY_575 | Recipient bank account number is required to process your payout request. |
| PAY_574 | Recipient bank account number is not correct |
| PAY_573 | Combination of Recipient bank BIC and Recipient bank code is not correct |
| PAY_572 | One or more of the beneficiary bank information fields provided is incorrect |
| PAY_571 | Recipient bank branch code is not correct |
| PAY_570 | The bank branch code provided conflicts with the rest of the recipient bank information in the payout request. |
| PAY_569 | Recipient bank branch code should not be provided for this destination country |
| PAY_568 | Recipient bank branch code contains alpha and/or special characters. |
| PAY_567 | Recipient bank branch code is required to process your payout request |
| PAY_566 | Combination of Recipient bank code and Recipient bank account number is not correct |
| PAY_565 | Recipient bank code is not correct |
| PAY_564 | The bank code provided conflicts with the rest of the recipient bank information in the payout request. |
| PAY_563 | Recipient bank code should not be provided for this destination country |
| PAY_562 | Recipient bank code contains alpha and/or special characters. |
| PAY_561 | Recipient bank code contains special characters. |
| PAY_560 | Recipient bank code is required to process your payout request |
| PAY_559 | Recipient bank name is not currently supported for this payout request |
| PAY_558 | Recipient bank account name is not correct |
| PAY_557 | Recipient bank name contains special characters. |
| PAY_556 | Recipient bank name is required to process your payout request |
| PAY_555 | Recipient bank account name contains special characters. |
| PAY_554 | Recipient bank account name is required to process your payout request. |
| PAY_553 | Unable to validate this payout request becuase one or more of recipient bank information provided is missing or invalid. |
| PAY_552 | Combination of Recipient bank country code and Recipient bank account number for 'IBAN' bank account number type is not correct |
| PAY_551 | Recipient details are not in the correct format. Contact your Visa representative for assistance. |
| PAY_550 | Sender details are not in the correct format. Contact your Visa representative for assistance. |
| PAY_549 | Destination country is not currently supported |
| PAY_548 | Destination route not set up |
| PAY_547 | Data provided for one or more Recipient fields is not required for this destination country |
| PAY_546 | Duplicate data for one or more Recipient identification list fields exists |
| PAY_545 | Only one form of identification is required for the Recipient |
| PAY_544 | Data for one or more Recipient identification list fields is not correct |
| PAY_543 | Recipient identity type is mandatory for this route |
| PAY_542 | Recipient company registration number is not correct |
| PAY_541 | Recipient email address is not correct |
| PAY_540 | Recipient date of birth is not correct. |
| PAY_539 | Recipient ID type is not correct |
| PAY_538 | Data for one or more of Recipient country fields is not correct |
| PAY_537 | Recipient ID number is not correct |
| PAY_536 | Recipient ID issue country is not correct |
| PAY_535 | Data provided for one or more Recipient fields is not currently supported |
| PAY_534 | Data for one or more Recipient fields are not correct or contains special characters |
| PAY_533 | Data for one or more Recipient fields contains alpha and/or special characters |
| PAY_532 | The minor units in Transaction Amount does not align with currency exponent. |
| PAY_531 | Data for one or more Recipient fields contains special characters |
| PAY_530 | Data for one or more Recipient fields contains special characters |
| PAY_529 | Recipient province or state is not correct |
| PAY_528 | Data for one or more of Recipient fields are required to process your payout request |
| PAY_527 | There is an issue with the data of this transaction and it cannot be processed |
| PAY_526 | A balance for the currency and account requested does not exist. |
| PAY_525 | No balances to return. |
| PAY_524 | The currencyCode must be a alphabetic string of length 3. |
| PAY_523 | TransactionDetail sourceAmount must be null |
| PAY_522 | TransactionDetail sourceCurrencyCode must be null |
| PAY_521 | The sourceAmount should not be supplied for Push to Account. |
| PAY_520 | The sourceCurrencyCode should not be supplied for Push to Account. |
| PAY_519 | Unknown query parameter |
| PAY_518 | The number of calendar days requested must be an integer value between 1 and 30. |
| PAY_517 | PayoutMethod must not be null |
| PAY_516 | Subscriber not authorized to receive transaction |
| PAY_515 | Transaction max amount exceeded |
| PAY_514 | Monthly recipient velocity limit exceeded |
| PAY_513 | Monthly sender velocity limit exceeded |
| PAY_512 | Weekly recipient velocity limit exceeded |
| PAY_511 | Weekly sender velocity limit exceeded |
| PAY_510 | Daily recipient velocity limit exceeded |
| PAY_509 | Daily sender velocity limit exceeded |
| PAY_508 | Blacklist error |
| PAY_507 | MFS system error |
| PAY_506 | E-wallet system error |
| PAY_505 | Transaction could not be executed |
| PAY_504 | Subscriber not authorized to receive amount |
| PAY_503 | Subscriber not found |
| PAY_502 | Partner corridor not active |
| PAY_501 | Transaction Error |
| PAY_500 | Expired transfer proposal |
| PAY_499 | Insufficient fund in merchant account |
| PAY_498 | Sender middleName must be null |
| PAY_497 | The idType must be one of CLIENT_REFERENCE_ID or PAYOUT_ID. |
| PAY_496 | Payout not found |
| PAY_495 | The route or wallet operator does not support the destination amount precision |
| PAY_494 | A company cannot have a tax id |
| PAY_493 | The additional identity data block contains an invalid item |
| PAY_492 | The payoutSpeed is not correct. |
| PAY_491 | Business Application ID is not correct |
| PAY_490 | Configuration error. Please contact your Visa representative. |
| PAY_489 | This payout request could not be processed. Please contact your Visa representative. |
| PAY_488 | This payout request could not be processed. Please contact your Visa representative. |
| PAY_487 | No route exists for this combination |
| PAY_486 | The value provided for one or more request parameters is considered invalid. |
| PAY_485 | Payment rejected for compliance related reason at partner. Contact your Visa representative for assistance. |
| PAY_484 | Recipient’s transaction frequency exceeds the limit. |
| PAY_483 | Sender’s transaction frequency exceeds the limit. |
| PAY_482 | Transaction amount exceeds the transaction limit for the recipient. |
| PAY_481 | Transaction amount exceeds the transaction limit for the sender |
| PAY_480 | This request could not be processed. Please try again. |
| PAY_479 | Recipient details validation in progress with partner |
| PAY_478 | Sender minimum information is missing |
| PAY_477 | A company cannot have a city of birth |
| PAY_476 | A company cannot have a foreign id |
| PAY_475 | A company cannot have a national id |
| PAY_474 | A company cannot have a driving license |
| PAY_473 | A company cannot have a passport |
| PAY_472 | Recipient name or first name and last name are required. |
| PAY_471 | A company cannot have a foreign id |
| PAY_470 | A company cannot have a tax id |
| PAY_469 | A company cannot have a national id |
| PAY_468 | A company cannot have a driving license |
| PAY_467 | A company cannot have a passport |
| PAY_466 | A company cannot have date of birth or country of birth or city of birth |
| PAY_465 | Recipient name or first name and last name are required. |
| PAY_464 | Recipient name or first name and last name are required. |
| PAY_463 | Recipient wallet currency is not supported for this wallet operator |
| PAY_462 | Recipient wallet country is not supported for this wallet operator |
| PAY_461 | Recipient identification id type is not supported |
| PAY_460 | Recipient wallet account is unavailable |
| PAY_459 | Recipient details mismatch at wallet operator. |
| PAY_458 | Recipient wallet account not found |
| PAY_457 | A company cannot have a country of birth |
| PAY_456 | A company cannot have a date of birth |
| PAY_455 | An Individual cannot have a legal registration number |
| PAY_454 | Sender age is not supported |
| PAY_453 | This combination of sender type and recipient type provided is not supported for this route |
| PAY_452 | A company cannot have date of birth or country of birth or city of birth |
| PAY_451 | Either senderAccountNumber or senderReferenceNumber is required |
| PAY_450 | One of sender name or first name and last name must be provided |
| PAY_449 | Sender name or first name and last name are required. |
| PAY_448 | Country is not currently supported |
| PAY_447 | Value provided for one of the fields is invalid |
| PAY_446 | Sender-beneficiary relationship is not allowed |
| PAY_445 | Value provided for one of the fields is too long |
| PAY_444 | Payment value less than the minimum route limit |
| PAY_443 | The sender identification idOwnerType must be null. |
| PAY_442 | Sender middleName must be null |
| PAY_441 | No eligible routes found which allow payer unstructured identity |
| PAY_440 | The sender sourceOfFunds field must be null. |
| PAY_439 | SenderReferenceNumber field must be null |
| PAY_438 | Only sender name or firstName + lastName combination is allowed |
| PAY_437 | Sender name or firstName + lastName combination is required |
| PAY_436 | Only sender firstName + lastName combination or name is allowed |
| PAY_435 | Sender firstName + lastName combination or name is required |
| PAY_434 | Only sender name is allowed |
| PAY_433 | Sender name is required |
| PAY_432 | Only senderAccountNumber or senderReferenceNumber is allowed |
| PAY_431 | SenderAccountNumber or senderReferenceNumber is required |
| PAY_430 | Only sender firstName + lastName combination or fullName is allowed |
| PAY_429 | Sender firstName + lastName combination or fullName is required |
| PAY_428 | Only sender companyName or fullName is allowed |
| PAY_427 | Sender companyName or fullName is required |
| PAY_426 | The transaction currency should be same as either the client's settlement currency or recipient's wallet currency |
| PAY_425 | The transaction currency should be same as either the client's settlement currency or recipient's bank currency |
| PAY_424 | The minor units in structuredRemittance taxAmount does not align with currency exponent |
| PAY_423 | The minor units in structuredRemittance Amount does not align with currency exponent |
| PAY_422 | TransactionDetail structuredRemittance amount has invalid content |
| PAY_421 | TransactionDetail structuredRemittance taxAmount is invalid |
| PAY_420 | TransactionDetail structuredRemittance creditorReference number is too long |
| PAY_419 | TransactionDetail structuredRemittance creditorReference number is too short |
| PAY_418 | TransactionDetail structuredRemittance creditorReference number is missing |
| PAY_417 | TransactionDetail structuredRemittance creditorReference code has invalid content |
| PAY_416 | TransactionDetail structuredRemittance creditorReference code has invalid length |
| PAY_415 | TransactionDetail structuredRemittance creditorReference code is missing |
| PAY_414 | TransactionDetail structuredRemittance referredDocumentInformation relatedDate has invalid content |
| PAY_413 | TransactionDetail structuredRemittance referredDocumentInformation number is too long |
| PAY_412 | TransactionDetail structuredRemittance referredDocumentInformation number is too short |
| PAY_411 | TransactionDetail structuredRemittance referredDocumentInformation number is missing |
| PAY_410 | TransactionDetail structuredRemittance referredDocumentInformation code has invalid content |
| PAY_409 | TransactionDetail structuredRemittance referredDocumentInformation code has invalid length |
| PAY_408 | TransactionDetail structuredRemittance referredDocumentInformation code is missing |
| PAY_407 | TransactionDetail structuredRemittance referredDocumentInformation is too long |
| PAY_406 | TransactionDetail structuredRemittance taxCurrencyCode is Invalid |
| PAY_405 | TransactionDetail structuredRemittance amountCurrencyCode is Invalid |
| PAY_404 | TransactionDetail structuredRemittance amountCurrencyCode is missing |
| PAY_403 | TransactionDetail structuredRemittance amount is missing |
| PAY_402 | TransactionDetail structuredRemittance is too long |
| PAY_401 | Transaction endToEndId must not be null |
| PAY_400 | Transaction purpose of payment is required |
| PAY_399 | Payment amount exceeds the route limit. |
| PAY_398 | The transactionDetail transactionCurrencyCode must be a numeric of length 3. |
| PAY_397 | The recipient middleName must be null. |
| PAY_396 | The recipient identification idOwnerType must be null. |
| PAY_395 | The recipientDetail address minorSubDivisionCode must be null. |
| PAY_394 | The recipientDetail address streetName must be null. |
| PAY_393 | The recipientDetail address streetName must be null. |
| PAY_392 | Recipient wallet must be null. |
| PAY_391 | The recipient bank must be null. |
| PAY_390 | Recipient middleName must be null |
| PAY_389 | Only recipient firstName + lastName combination or name is allowed |
| PAY_388 | Recipient firstName + lastName combination or name is required |
| PAY_387 | Only recipient name is allowed |
| PAY_386 | Recipient name is mandatory |
| PAY_385 | Only recipient name or firstName + lastName combination is allowed |
| PAY_384 | Recipient name or firstName + lastName combination is required |
| PAY_383 | No eligible routes found which allow payer unstructured identity |
| PAY_382 | Recipient contact number is mandatory for this route. |
| PAY_381 | The recipient card must be null. |
| PAY_380 | Identity Type of beneficiary is required. |
| PAY_379 | Conflicting recipient name, identity or type |
| PAY_378 | The recipient payout method is not supported. |
| PAY_377 | The recipient payoutMethod must not be null. |
| PAY_376 | The recipient alias must be null. |
| PAY_375 | Recipient identificationList must be provided |
| PAY_374 | The recipient additional data key is not known. |
| PAY_373 | At least one recipient additional data item must be supplied |
| PAY_372 | Recipient bank BIC is not supported |
| PAY_371 | Recipient bank BIC country does not match the SWIFT BIC country |
| PAY_370 | Recipient bank BIC contains non-alphanumeric characters |
| PAY_369 | Recipient bank BIC has not been supplied and is required in the territory |
| PAY_368 | Recipient bank BIC supplied contradicts the bank identified by the supplied bank code |
| PAY_367 | Recipient bank BIC does not exist in bank partner reference table |
| PAY_366 | Recipient bank BIC country does not match bank account country |
| PAY_365 | Recipient bank BIC code contradicts with bank code. |
| PAY_364 | The recipient bank account number suffix is required in the territory. |
| PAY_363 | Recipient bank account type is required in the territory |
| PAY_362 | Recipient bank account IBAN supplied implies a country different than the country code supplied |
| PAY_361 | Recipient bank Account Number and Sort Code mismatch |
| PAY_360 | Recipient bank IBAN contradicts account number suffix |
| PAY_359 | Recipient bank account IBAN contradicts the supplied account number |
| PAY_358 | Recipient bank account IBAN contradicts the supplied routing number |
| PAY_357 | Recipient bank account IBAN is contradicting |
| PAY_356 | Recipient bank account IBAN failed modulus check |
| PAY_355 | Recipient bank account IBAN country is not recognized |
| PAY_354 | Recipient bank account IBAN is required in the territory |
| PAY_353 | Recipient bank account number failed modulus check |
| PAY_352 | recipient bank account number prefix contains non-numeric characters |
| PAY_351 | recipient bank account number prefix is too short |
| PAY_350 | recipient bank account number prefix is too long |
| PAY_349 | Recipient bank branch code not found on <a href="http://cb.net">CB.Net</a> lookup |
| PAY_348 | Recipient bank branch code is contradicting |
| PAY_347 | Recipient bank branch code should not be supplied for this territory |
| PAY_346 | Recipient bank branch code is required in the territory |
| PAY_345 | ABA routing number and a Fedwire code have been supplied which contradict each other |
| PAY_344 | Recipient bank code is not found on <a href="http://cb.net">CB.Net</a> lookup |
| PAY_343 | Recipient bank ABA routing number contradicts the one derived from this account |
| PAY_342 | The recipient bank ABA routing number is required. |
| PAY_341 | Recipient bank sort code is not eligible for local schemes |
| PAY_340 | Recipient bank sort code is required |
| PAY_339 | The recipient bank sort code contains non-alphanumeric characters. |
| PAY_338 | The recipient bank sort code contains non-numeric characters. |
| PAY_337 | Recipient bank code contradicts the supplied account number |
| PAY_336 | Recipient bank code is contradicting |
| PAY_335 | Recipient bank code should not be supplied for this territory |
| PAY_334 | Selected payment rail is not configured. Please contact your Visa representative. |
| PAY_333 | The recipient bank information is not sufficient. |
| PAY_332 | Only recipient firstName + lastName combination or fullName is allowed. |
| PAY_331 | Recipient firstName + lastName combination or fullName is required. |
| PAY_330 | Only recipient companyName or fullName is allowed. |
| PAY_329 | Recipient companyName or fullName is mandatory. |
| PAY_328 | Only recipient companyName or firstName + lastName combination or fullName is allowed. |
| PAY_327 | Recipient companyName or firstName + lastName combination or fullName is required. |
| PAY_326 | Recipient bank BIC is not found. |
| PAY_325 | Insufficient bank data supplied. Please contact customer support for more info. |
| PAY_324 | Transaction not in a cancellable state. |
| PAY_323 | This transaction has already been cancelled. Current request is a duplicate. |
| PAY_322 | Payout in queue. Wait for the status notification and retry cancellation later. |
| PAY_321 | Payout attempt terminated unsuccessfully. |
| PAY_320 | Prior payout exists with the same ClientReferenceID but with different key transaction data elements. |
| PAY_319 | Current transaction is a duplicate. |
| PAY_318 | This payout request is inconsistent with the previously processed payout transaction. |
| PAY_317 | Current transaction is a duplicate. Original Payout attempt terminated unsuccessfully. |
| PAY_316 | Current transaction is a duplicate. Original Payout attempt is in an undefined state. Please contact a Visa representative. |
| PAY_315 | Current transaction is a duplicate. Original Payout attempt is in ERROR. Please contact a Visa representative. |
| PAY_314 | Payout not cancellable at this time. Payout is in an inconsistent state. |
| PAY_313 | The payout transaction is in an inconsistent state. Please contact your Visa Representative. |
| PAY_312 | The payout transaction that has been queried is in an inconsistent/unknown state. |
| PAY_311 | This payout request is inconsistent with the previously processed payout transaction. |
| PAY_310 | This payout request matches with other payout transactions which are in an inconsistent state. Please contact your Visa Representative. |
| PAY_309 | Transaction currency did not match the settlement currency or the destination currency. |
| PAY_308 | Payout not cancellable. |
| PAY_307 | Transaction currency is not same as Destination currency. |
| PAY_306 | Validation failed for Retrieval Reference Number. This transaction can no longer be retried. |
| PAY_305 | Final state of the transaction is unknown. |
| PAY_304 | Transaction cannot be processed at this time, please contact Visa. |
| PAY_303 | Payout is pending cancellation. |
| PAY_302 | Payout is not cancellable. |
| PAY_301 | Recipient bank account is inactive. |
| PAY_300 | Payout request has an illegal character data. |
| PAY_299 | Recipient bank account has duplicate data. |
| PAY_298 | Additional data is required for this purpose of payment |
| PAY_297 | Sender or recipient detail data is incomplete |
| PAY_296 | Sender or recipient details exceeds max length. |
| PAY_295 | Value contains non-supported characters. |
| PAY_294 | Sender or recipient additional identity data contains more than one item of the same name |
| PAY_293 | Recipient identification information is invalid or missing |
| PAY_292 | Only one document number must be supplied for sender or recipient. |
| PAY_291 | Sender or recipient identity number is not numeric. |
| PAY_290 | Sender or recipient identity number is not binary. |
| PAY_289 | Sender or recipient identity issue country is not allowed. |
| PAY_288 | Sender or recipient country in address is not allowed. |
| PAY_287 | Sender or recipient identification number is not numeric. |
| PAY_286 | Sender or recipient identification type is required. |
| PAY_285 | Wallet Operator does not support recipient verification functionality. |
| PAY_284 | Route not supported, please contact Visa representative |
| PAY_283 | The beneficiary Bank Account Intermediary Account supplied field contains not supported characters. |
| PAY_282 | Recipient bank account is not supported. |
| PAY_281 | Transaction cannot be processed at this time, please contact Visa. |
| PAY_280 | The recipient country and currency route selected is not supported. |
| PAY_279 | The recipient country and currency route selected is not supported. |
| PAY_278 | Value provided for one of the fields is invalid. |
| PAY_277 | Value provided for one of the fields has incorrect format. |
| PAY_276 | Value provided for one of the fields is too short. |
| PAY_275 | Value provided for one of the fields is too long. |
| PAY_274 | Mandatory value is missing. |
| PAY_273 | Mismatch between FX quote currency codes and transaction currency codes. |
| PAY_272 | Fx is required for this transaction |
| PAY_271 | Invalid or unsupported country code |
| PAY_270 | Invalid person type provided |
| PAY_269 | Address information is required and cannot be empty |
| PAY_268 | User with username already exists |
| PAY_267 | Agent ID cannot be null or blank |
| PAY_266 | Password cannot be null or blank |
| PAY_265 | Last name cannot be null or blank |
| PAY_264 | First name cannot be null or blank |
| PAY_263 | Email cannot be null or blank |
| PAY_262 | Password cannot be null or blank |
| PAY_261 | User with username does not exist |
| PAY_260 | Username cannot be blank |
| PAY_259 | Tenant cannot be blank |
| PAY_258 | Bank not allowed to transaction |
| PAY_257 | Invalid Bank Code |
| PAY_256 | Insufficient balance |
| PAY_255 | Card information is required |
| PAY_254 | Bank account details are required |
| PAY_253 | Account number is required |
| PAY_252 | Routing number is required |
| PAY_251 | Account holder information is required |
| PAY_250 | Account type is required |
| PAY_249 | A valid bank account type is required. Allowed values: savings, checking, loan, business_checking, or business_saving |
| PAY_248 | A valid account holder type is required. Allowed values: personal or business |
| PAY_247 | The "companyLegalName" field is required when the account holder is a business |
| PAY_246 | Both "firstName" and "lastName" fields are required when the account holder is an personal |
| PAY_245 | Invalid source type. Accepted values are "CARD" or "BANK_ACCOUNT". |
| PAY_244 | The asset type is required for wallet creation. |
| PAY_243 | The owner ID is required for wallet creation. |
| PAY_242 | The beneficiary ID is required for wallet creation. |
| PAY_241 | The wallet type is required for wallet creation. |
| CAD_0207 | Payment Services is required |
| CAD_0206 | Payment Methods is required |
| CAD_0205 | Country is required |
| CAD_0204 | Agent Trade Name is required |
| CAD_0203 | Agent Commercial Name is required |
| CAD_0202 | Agent Referer is required |
| CAD_0201 | Agent id is required |
| CAD_0200 | Phone is required |
| CAD_0199 | Email is required |
| PAY_231 | Insufficient balance to pull transaction |
| CAD_015 | Agent Id already exists |
| PAY_229 | No payment routes were found |
| PAY_228 | Invalid Pix key. Please check and try again. |
| PAY_227 | A Pix key is required. |
| PAY_226 | A Pix account must be provided to receive the transfer. |
| PAY_225 | The recipient country code (Alpha-3) is required for PUSH transactions. |
| PAY_224 | The recipient object is required for a PUSH transaction. |
| PAY_223 | The sender amount is required for PUSH transactions. |
| PAY_222 | The exchange rate must be greater than zero. |
| PAY_221 | Invalid currency code for the recipient country. Please check and try again. |
| PAY_220 | Invalid currency code for the customer country. Please check and try again. |
| PAY_219 | The recipient country code (Alpha-3) is required for PUSH transactions. |
| PAY_218 | The customer country code (Alpha-3) is required for PULL transactions. |
| PAY_217 | A destination account is required for PUSH transactions. |
| PAY_216 | A source account is required for PULL transactions. |
| PAY_215 | An amount is required for the transaction. |
| PAY_214 | Invalid payment type. Accepted values are "PULL" or "PUSH". |
| PAY_213 | Invalid page number. |
| PAY_212 | Invalid page size. |
| PAY_211 | The "to" date must be provided. |
| PAY_210 | The "from" date must be provided. |
| PAY_209 | The wallet ID must be in UUID v4 format. |
| PAY_208 | The transfer amount must be greater than zero. |
| PAY_207 | The destination wallet ID must be a valid UUID v4. |
| PAY_206 | The source wallet ID must be a valid UUID v4. |
| PAY_205 | An external ID is required. |
| PAY_204 | Invalid transfer amount. |
| PAY_203 | The destination wallet ID is required. |
| PAY_202 | The source wallet ID is required. |
| PAY_201 | The wallet ID is required. |
| PAY_200 | A valid wallet payload is required. |
| PAY_199 | The wallet type is required for wallet creation. |
| PAY_198 | The beneficiary ID is required for wallet creation. |
| PAY_197 | The owner ID is required for wallet creation. |
| PAY_196 | The asset type is required for wallet creation. |
| PAY_195 | Invalid source type. Accepted values are "CARD" or "BANK_ACCOUNT". |
| PAY_194 | Both "firstName" and "lastName" fields are required when the account holder is an personal |
| PAY_193 | The "companyLegalName" field is required when the account holder is a business |
| PAY_192 | A valid account holder type is required. Allowed values: personal or business |
| PAY_191 | A valid bank account type is required. Allowed values: savings, checking, loan, business_checking, or business_saving |
| PAY_190 | Account type is required |
| PAY_189 | Account holder information is required |
| PAY_188 | Routing number is required |
| PAY_187 | Account number is required |
| PAY_186 | Bank account details are required |
| PAY_185 | Card information is required |
| 1 | Payment Pending |
| PAY_183 | Invalid Phone Number |
| PAY_182 | Invalid country code |
| PAY_181 | Invalid Account Holder Type |
| PAY_180 | Invalid Account Type |
| PAY_155 | ACS ERROR - Data exchange response not found by paymentId |
| PAY_154 | ACS ERROR - Data exchange not found by requestId |
| PAY_153 | ACS ERROR - Data exchange not found by paymentId |
| PAY_152 | ACS ERROR - Data exchange not found JWT by tenant and paymentId |
| PAY_151 | ACS ERROR - Data exchange update invalid |
| PAY_150 | ACS ERROR - Lookup response data not found find by paymentId |
| PAY_149 | ACS ERROR - Lookup data not found find by paymentId and transactionId |
| PAY_148 | ACS ERROR - Lookup data not found find by paymentId |
| PAY_147 | ACS ERROR - Lookup data not found find by tenant and transactionId |
| PAY_146 | Declined by 3DS Secure Code |
| PAY_145 | Invalid cardholder - High Risk |
| PAY_144 | Invalid cardholder - Email |
| PAY_143 | Invalid cardholder name |
| PAY_142 | Invalid Ip Address |
| PAY_141 | Decline blacklist restrictions - Customer |
| PAY_140 | Decline blacklist restrictions - IP |
| PAY_139 | Decline blacklist restrictions - Card |
| PAY_131 | Unable to go online; offline-declined |
| PAY_130 | Revocation of all authorizations order |
| PAY_128 | Transaction does not qualify for Visa PIN |
| PAY_127 | Revocation of authorization order |
| PAY_126 | Stop Payment Order |
| PAY_125 | Card Authentication failed |
| PAY_124 | Denied PIN change—requested PIN unsafe |
| PAY_123 | Denied PIN unblock—PIN change or unblock request declined by issuer |
| PAY_122 | Transaction amount exceeds preauthorized approval amount |
| PAY_121 | Decline for CVV2 failure |
| PAY_120 | Ineligible for resubmission |
| PAY_119 | Cash request exceeds issuer or approved limit |
| PAY_118 | Cash service not available |
| PAY_117 | Force STIP |
| PAY_116 | Surcharge amount not supported by debit network issuer. |
| PAY_115 | Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only) |
| PAY_114 | Verification data failed |
| PAY_113 | Additional customer authentication required |
| PAY_112 | System malfunction |
| PAY_111 | Transaction cannot be completed - violation of law |
| PAY_097 | PIN data required |
| PAY_098 | Different value than that used for PIN encryption errors |
| PAY_110 | Financial institution or intermediate network facility cannot be found for routing (receiving institution ID is invalid) |
| PAY_109 | Issuer or switch inoperative and STIP not applicable or not available for this transaction; Timeout |
| PAY_108 | Ineligible to receive financial position information (GIV) |
| PAY_107 | Cannot verify PIN; for example, no PVV |
| PAY_106 | No reason to decline a request for address verification, CVV2 verification, or a credit voucher or merchandise return |
| PAY_105 | Negative CAM, dCVV, iCVV, or CVV results |
| PAY_104 | Cryptographic error found in PIN |
| PAY_103 | No financial impact |
| PAY_102 | Already reversed (by Switch) |
| PAY_101 | Blocked, first used—Transaction from new cardholder, and card not properly unblocked |
| PAY_100 | Unsolicited reversal |
| PAY_099 | Allowable number of PIN entry tries exceeded |
| PAY_081 | Lost card, pick up (fraud account) |
| PAY_096 | Exceeds withdrawal frequency limit |
| PAY_095 | Transaction does not fulfill AML requirement |
| PAY_094 | Security violation (source is not correct issuer) |
| PAY_093 | Restricted card (card invalid in this region or country) |
| PAY_092 | Exceeds approval amount limit |
| PAY_091 | Suspected fraud |
| PAY_090 | Transaction not allowed at terminal |
| PAY_089 | Transaction not permitted to cardholder |
| PAY_088 | Incorrect PIN or PIN missing |
| PAY_087 | Expired card or expiration date is missing |
| PAY_086 | No savings account |
| PAY_085 | No checking account |
| PAY_084 | Not sufficient funds |
| PAY_083 | Closed account |
| PAY_082 | Stolen card, pick up (fraud account) |
| PAY_080 | No credit account |
| PAY_079 | File temporarily not available for update or inquiry |
| PAY_078 | Unable to locate record in file |
| PAY_077 | No action taken |
| PAY_076 | Re-enter transaction |
| PAY_075 | No such issuer |
| PAY_074 | Invalid account number (no such number) |
| PAY_073 | Invalid amount or currency conversion field overflow |
| PAY_072 | Invalid transaction |
| PAY_071 | Approved (V.I.P) |
| PAY_070 | Partial approval |
| PAY_069 | Pick up card, special condition (fraud account) |
| PAY_068 | Error |
| PAY_067 | Do not honor |
| PAY_132 | Pick up card (no fraud) |
| PAY_133 | Invalid merchant |
| PAY_064 | Refer to card issuer, special condition |
| PAY_063 | Refer to card issuer |
| PAY_062 | Business Operation is Invalid |
| GE_008 | Notification not found |
| GE_007 | Notification already exists |
| GE_006 | Authentication method is invalid |
| GE_005 | Event is invalid |
| GE_004 | Bearer authentication requires username, a password and url token authentication |
| GE_003 | Basic authentication requires both a username and a password |
| PAY_066 | Transaction rejected by gateway analysis |
| PAY_065 | Invalid request |
| PAY_061 | Provider Requested Error |
| CAD_006 | Tokenization card rejected by rules |
| GE_002 | Parameter is invalid |
| PAY_060 | Invalid external id format |
| SE_003 | Invalid header token |
| PAY_059 | AVS partial approved |
| PAY_058 | AVS does not match |
| PAY_057 | AVS unknow |
| PAY_056 | Email verification failed |
| PAY_055 | Email verification unknown |
| PAY_054 | Telephone verification failed |
| PAY_053 | Telephone verification unknown |
| PAY_052 | Postal code verification failed |
| PAY_051 | Postal code verification unknown |
| PAY_050 | Cardholder name verification failed |
| PAY_049 | Cardholder name verification unknown |
| PAY_048 | Address verification failed |
| PAY_047 | Address verification unknown |
| PAY_046 | CVV does not match |
| PAY_045 | CVV unkown |
| PAY_044 | Revocation of all authorizations order |
| PAY_043 | Revocation of authorization order |
| PAY_042 | Rejected by card issuer |
| PAY_041 | Security code invalid |
| PAY_040 | Security Rules Violated |
| PAY_039 | Unknown card |
| PAY_038 | Card blocked |
| PAY_037 | Restricted card |
| PAY_036 | Illegal transaction |
| PAY_035 | Invalid security code |
| PAY_034 | Limit exceeded |
| PAY_033 | Stolen card, pick up |
| PAY_032 | Lost card |
| PAY_031 | Security code expired |
| PAY_030 | Fraud suspicion |
| PAY_029 | Card expired |
| PAY_028 | Impossible Reference Number |
| PAY_027 | Access denied |
| PAY_026 | Annulation by client |
| PAY_025 | Invalid card issuer |
| PAY_024 | Invalid requested amount |
| PAY_023 | Hold card |
| PAY_022 | Rejected by provider |
| SE_002 | Invalid header token |
| CARD_010 | Invalid request |
| PAY_021 | Invalid currency code |
| PAY_020 | Amount cannot be less or equal to zero |
| PAY_019 | Invalid IP Address |
| PAY_018 | Capture amount cannot be negative |
| PAY_017 | Capture amount cannot be greater than the original amount |
| PAY_015 | Invalid currency |
| PAY_014 | No payment found to void |
| PAY_013 | No payment found to void |
| PAY_012 | No payment found to refund with external payment id |
| PAY_011 | Payment duplicated for externalPaymentId |
| PAY_010 | No payment founded to capture with external payment id |
| PAY_009 | Payment with external id already captured |
| PAY_008 | Country not found |
| PAY_007 | There isn't parameter to agent and event |
| PAY_006 | Payment method ID is null for description |
| PAY_005 | Payment method not found for description |
| PAY_004 | Credential not found |
| PAY_003 | Key not found for agent |
| PAY_002 | Agent not found |
| PAY_001 | No router found for agent and payment method |
| CA_007 | Card not found, invalid token |
| CA_006 | Card not found, invalid previous payment code |
| PAY_016 | Insufficient balance to refund |
| SE_001 | Unauthorized request |
| CAD_005 | Secure code is invalid |
| CAD_004 | Expiration date is invalid |
| CAD_003 | Invalid cardholder name |
| CAD_002 | Pan is invalid |
| CAD_001 | Origin not allowed |