Direct API Charge error codes

Error Codes will be provided alongside the charges with failed status to provide more information about payment failure.

Codapay error code	Coda error description	Recommended Action
UNABLE_TO_AUTHORISE	The transaction could not be authorized.	Prompt the customer to try again later.
PAYMENT_DECLINED	The payment was declined by the issuer.	Verify the payment information and try again, or use a different payment method.
INVALID_REQUEST	The payment request was invalid due to incorrect formatting or data.	Check the request parameters and ensure they comply with the required format.
DO_NOT_HONOR	The transaction was declined without a specific reason.	Advise the customer to contact the bank for more details or try a different payment method.
CARD_EXPIRED	The card used for the transaction has expired.	Ask the customer to use a different card or update the card information.
CARD_NOT_SUPPORTED	The card type is not supported for this transaction.	Suggest using a different card or payment method.
ADDRESS_VERIFICATION_FAILED	The provided address could not be verified.	Verify the address details and try again.
DECLINED_BY_ISSUER	The issuer declined the transaction.	Contact the bank for more details or try a different payment method.
DUPLICATE_TRANSACTION	A transaction with the same details has already been processed.	Check for duplicate transactions and avoid resubmitting the same request.
INSUFFICIENT_BALANCE	There are not enough funds available to complete the transaction.	Advise the customer to use a different payment method or ensure sufficient funds.
INVALID_ACCOUNT	The account details provided are not valid.	Verify the account information and try again.
INVALID_ACCOUNT_OR_CARD	The account or card details are incorrect.	Check and re-enter the account or card information.
INVALID_AMOUNT	The transaction amount is invalid or exceeds limits.	Ensure the transaction amount is correct and within allowable limits.
INVALID_SECURITY_CODE	The security code provided is incorrect.	Verify the security code and try again.
PROVIDER_SYSTEM_ERROR	There was an error with the payment provider's system.	Wait a moment and try again, or contact support if the issue continues.
RETRY_REQUIRED	The transaction needs to be retried.	Wait a moment and try again, or contact support if the issue continues.
BLOCKED_RISK_CODA_BLOCKLIST	The charge was flagged as potentially fraudulent by Coda blocklist.	Advise the customer to contact the bank for more details or try a different payment method.
BLOCKED_RISK_CODA_RULE	The charge was flagged as potentially fraudulent by one of the Coda risk rules.	Advise the customer to contact the bank for more details or try a different payment method.
BLOCKED_RISK_PROVIDER	The charge was flagged as potentially fraudulent by the payment provider.	Advise the customer to contact the bank for more details or try a different payment method.
TOO_MANY_TRIES	Too many attempts have been made to process the transaction.	Wait a moment and try again, or contact support if the issue continues.
TRANSACTION_LIMIT_EXCEEDED	The transaction amount exceeds the limit allowed by the provider	Reduce the transaction amount and try again.
TRANSACTION_NOT_ALLOWED	The transaction is not allowed by the issuer or payment processor.	Verify the transaction details or try a different payment method.
UNKNOWN_ERROR	An unknown error occurred during the transaction.	Try the transaction again or contact support if the issue persists.
AUTHENTICATION_FAILED	There was an error during the authentication process.	Prompt the customer to check authentication details and try again.
INITIATED_FAILED	Charge is initiated at the Provider end. Initiation has failed.	Try the transaction again or contact support if the issue persists.
INITIATED_NOT_ACCEPTED	Charge is initiated at the Provider end. Provider didn’t accept the initiation.	Advise the customer to retry with a different payment method.
FAILED_TOKEN_EXPIRED	Charge is failed due to Expired Token	Advise the customer to retry with a different payment method.
FAILED_TOKEN_CANCELLED	Charge failed due to Cancelled Token	Advise the customer to retry with a different payment method.
FAILED_TOKEN_NOT_AUTHORIZED	Charge is failed due to UNAUTHORIZED Token	Advise the customer to retry with a different payment method.
BLOCKED_CHARGE_LIMIT_EXCEEDED	Charge is blocked by Coda limit	Reduce the transaction amount and try again.