Payment Response

Insufficient_funds

expired_card

lost_or_stolen_card

limit_exceeded

Subscription Invoice Status**

Inactive

Inactive

Inactive

Inactive

Invoice Status

Past_Due

Past_Due

Past_Due

Past_Due

Transaction Status

Failed

Failed

Failed

Failed

Payment Provider Response (Description)

51: Insufficient funds

P9: Enter lesser amount

Expired card

04, 07: Refer to card issuer

41, 43: Declined

61: Exceeds withdrawal limit

65: Exceeds withdrawal frequency limit

Payment Response Description

Payment method has insufficient funds at the time of the transaction.

The credit card has expired. Please use a different payment method.

Transaction rejected by customer's bank due to the card being reported lost or stolen. Please use a different payment method or contact your issuing bank

Transaction exceeded the customer's payment method daily withdrawal or activity limit.

Payment Method Status

Valid

Invalidated

Invalidated

Valid

What It Means

At the time of the transaction, the customer did not have enough funds to cover the transaction.

Sometimes, the bank will send us this reason code when they’ve identified fraudulent activity or transactions which are outside of the customer’s regular spend pattern.

The risk rules of the customer bank are outside of our control.

Majority of transactions that generate this response code are due to genuine insufficient funds.

Payments will stop if maximum failed attempts have been reached.

Expired card.

Payment stops immediately until issue is resolved.

The bank has advised that payment method provided has been reported as lost or stolen.

Payment stops immediately until issue is resolved.

The customer or customer’s bank has imposed spend limits.

Payments will stop if maximum failed attempts have been reached.

Suggested Actions

​(For Integrators)

You can retry the transaction on a later date without having to recreate the payment method, but we would suggest not retrying on the same day.

Please confirm with the business or customer what the payment method should be.

Do not attempt to retry the transaction until the payment method token has been recreated.

Once the payment method token has been recreated, you can schedule a retry.

Please confirm with the business or customer what the payment method should be.

Do not attempt to retry the transaction until the payment method token has been recreated.

Once the payment method token has been recreated, you can schedule a retry.

You can retry the transaction on a later date without having to recreate the payment method, but we would suggest not retrying on the same day.

Suggested Actions

​(For Merchants)

You can retry the transaction on a later date, but we would suggest not retrying on the same day as it’s unlikely that the customer would have enough funds available within the same day.

Do not attempt to retry the payment.

You should ask the customer for an alternative payment method.

Do not attempt to retry the payment. You should ask the customer for an alternative payment method.

You can retry the transaction on a later date, but we would suggest not retrying on the same day.

Suggested Actions

​(For Customers)

Please ensure there are enough funds in your account before the due date of the next transaction.

Please check that the details of the credit card (expiry date and credit card number) provided to the business are correct. Or you can provide the business with an alternate payment method.

Please check with your banking institution on your account.

Or you can provide the business with an alternate payment method.

Please increase the daily transaction limit on your account, or let the business know when another attempt can be made.