> For the complete documentation index, see [llms.txt](https://docs.coda.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.coda.co/codapay/references/direct-api-charge-error-codes.md).

# Direct API Charge error codes

| 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.                                                |

<br>


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.coda.co/codapay/references/direct-api-charge-error-codes.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.