Failure Codes

This guide lists all the Failure codes that Finix uses and what each of them means.


When a transaction gets declined, Finix lets you know by returning a failure_code and failure_message. The failure_message in the response details the steps you need to take to complete the payment.

  • failure_codes will never change without advanced notice.
  • failure_messages are subject to change and improvements.

Here's a list of failure_codes and their failure_messages.

Payment Failure Codes

Failure codes in bold will disable the Payment Instrument.

Failure Code Failure Message
ADDRESS_VERIFICATION_FAILED_RISK_RULES The Risk Rules associated to the Merchant declined the transaction. The cardholder needs to create a card with the correct address.
AUTHORIZATION_EXPIRED_OR_ALREADY_CAPTURED The authorization is either expired or has already been captured. The cardholder needs to create a new authorization.
BANK_ACCOUNT_CLOSED The bank account has been closed. Contact the account owner and get another method of payment that's active.
BANK_ACCOUNT_FROZEN The bank account is frozen. Contact the account owner and get another method of payment.
CALL_ISSUER The card was declined for an unknown reason. The cardholder needs to contact their card issuer for more information.
CARD_ACCOUNT_CLOSED The card account has been closed. The cardholder should use an active card.
CARD_NETWORK_ERROR There is a problem with the card network. Contact the network for more information.
CARD_NOT_SUPPORTED The card does not support this type of purchase. The cardholder needs to contact their issuing bank to make sure their card can be used to make this type of purchase.
CARDHOLDER_PREVENTED_RECURRING_TRANSACTION Cardholder requested that recurring or installment transaction to be stopped.
CANCELATION_VIA_API The transaction was canceled via API before the transaction was completed. The cardholder needs to attempt the transaction again.
CANCELATION_VIA_DEVICE The cancel button was pressed on the device before the transaction was completed. The cardholder needs to attempt the transaction again.
COMMUNICATION_ERROR There was a network communication error with the host. Check your network connection and retry the transaction.
CVV_FAILED_RISK_RULES The Risk Rules associated with the Merchant declined the transaction. The cardholder needs to create a card with the correct CVV.
DEVICE_NOT_CONNECTED The payment terminal isn't connected to a network. Connect the payment terminal to a network and reattempt the transaction.
DEVICE_IN_USE The device is currently processing a request. Attempt a request again once the request is complete, or within 6 minutes.
DO_NOT_HONOR The card was declined for an unknown reason. The cardholder needs to contact their issuing bank for more information.
DUPLICATE_TRANSACTION A transaction with the same amount and card was approved recently and marked as a duplicate. If this duplicate transaction was intentional, set check_for_duplicate_transactions to false.
EXCEEDS_APPROVAL_LIMIT The transaction was declined because it exceeded the daily approval limit for the card. The cardholder needs to use a different card.
EXCEEDS_WITHDRAWAL_FREQUENCY_LIMIT The card has exceeded its withdrawal frequency limit. The cardholder needs to use a different card.
EXCEEDED_CARDHOLDER_INPUT_TIME_LIMIT The cardholder failed to swipe, tap, or dip the card in the expected time window. The cardholder needs to attempt the transaction again.
EXPIRED_CARD The card has expired. The cardholder needs to use another card that's not expired.
FRAUD_DETECTED The card was declined for fraud by the processor. The customer should contact their card issuer for more information.
GENERIC_DECLINE The transaction was declined for an unknown reason. The account owner needs to contact their issuer for more information.
INACTIVE_CARD The card is inactive. The cardholder needs to activate the card or use an active card.
INCOMPLETE_TRANSACTION The transaction was not completed by the cardholder. The cardholder needs to reattempt the transaction.
INSUFFICIENT_FUNDS The account has insufficient funds for the transaction. The account holder needs to use another method of payment.
INVALID_ACCOUNT_NUMBER The card number is not valid. The cardholder needs to contact their issuing bank for more information or use another card.
INVALID_AMOUNT The amount exceeds the amount that is allowed on the card. The cardholder needs to check with their issuing bank to see if they can make purchases of that amount.
INVALID_BANK_ACCOUNT_NUMBER The bank account number is not valid. The account holder needs to use a valid account number.
INVALID_CARD The card is invalid. The cardholder needs to use another card that is not invalid.
INVALID_CVV The CVV number is invalid. The cardholder needs to attempt the transaction again using the correct CVV.
INVALID_ISSUER The card number is not associated to a valid card issuing bank. The cardholder needs to contact their issuing bank.
INVALID_ROUTING_NUMBER The bank routing number provided is invalid. The bank account holder needs to provide a valid routing number.
INVALID_TRANSACTION The transaction is not permitted by the issuing bank. The cardholder needs to contact their issuing bank for more information.
LOST_OR_STOLEN_CARD The transaction was declined because the card is reported lost or stolen. Don't return the LOST_OR_STOLEN_CARD failure_code and failure_message to cardholders. Instead, return a generic decline.
MAX_TRANSACTION_AMOUNT_EXCEEDED The transaction was declined because it exceeded the max transaction amount that's associated with the Merchant . The cardholder needs to reprovision the Merchant with a higher max transaction amount or create a transaction with a lower amount.
NO_BANK_ACCOUNT_FOUND The account number is valid; however, the number doesn't correspond to the account holder or it's not an open account. The account holder needs to reenter their information with the correct details.
NON_TRANSACTION_ACCOUNT This is a non-transaction account that limits or prevents transactions Contact your customer and request permission to charge a different bank account.
PAYMENT_STOPPED The customer has stopped the payment with their bank. Contact the customer for details and to arrange payment.
PICK_UP_CARD The card has been reported as lost or stolen by the cardholder. The cardholder needs to contact their issuing bank.
RESTRICTED_CARD The card has a restriction preventing approval for this transaction. Please contact the issuing bank for a specific reason.
RESUBMIT_TRANSACTION The transaction couldn’t be processed by the issuer for an unknown reason. The cardholder needs to attempt the transaction again. If the transaction is declined again, the cardholder should contact their issuing bank.
TRANSACTION_NOT_PERMITTED The transaction was declined because the card or transaction type is not permitted. The cardholder needs to use a different type of card or attempt a different transaction method.

Push to Card Errors

Below are the different error values that the messages attribute can return for Push to Card.

Error Code Messages
REFER_TO_CARD_ISSUER Please contact card issuer for more information.
INVALID_MERCHANT Merchant not permitted for this transaction type
PICK_UP_CARD_NO_FRAUD Please contact card issuer for more information.
DO_NOT_HONOR Please contact card issuer for more information.
ERROR Please attempt transaction again but if it still cannot be processed try again at a later time
PICK_UP_CARD_FRAUD_ACCOUNT Please contact card issuer for more information.
INVALID_TRANSACTION Issuing bank does not support this transaction type on this card. Please contact card issuer for more information.
INVALID_AMOUNT_OR_CURRENCY Transaction violates network amount limit.
INVALID_ACCOUNT_NUMBER The account number does not exist. Please make sure the account number is correct or contact your issuer.
NO_SUCH_ISSUER The issuer can not be found. Please check card number to ensure it is valid.
RE_ENTER_TRANSACTION Please attempt transaction again and contact card issuer if it still cannot be processed.
NO_ACTION_TAKEN Please contact card issuer for more information.
UNABLE_TO_LOCATE_RECORD The account number does not exist. Please make sure the account number is correct or contact your issuer.
FILE_TEMPORARILY_NOT_AVAILABLE Please contact card issuer for more information.
NO_CREDIT_ACCOUNT Issuer has declined the transaction because the card is not a credit account. Please try another card.
LOST_CARD_PICK_UP_FRAUD_ACCOUNT Please contact card issuer for more information.
STOLEN_CARD_PICK_UP_FRAUD_ACCOUNT Please contact card issuer for more information.
NOT_SUFFICIENT_FUNDS Card issuer has declined the transaction as it does not have sufficient funds.
NO_CHECKING_ACCOUNT The card is not tied to a checking account and thus cannot be processed. Please try another card.
NO_SAVINGS_ACCOUNT The card is not tied to a savings account and thus cannot be processed. Please try another card.
EXPIRED_CARD The expiration date is expired or missing. Please correct and try again.
INCORRECT_PIN The PIN is invalid or missing. Please try again with the correct PIN.
TRANSACTION_NOT_PERMITTED Transaction not permitted to cardholder. Please contact card issuer for more information.
SUSPECTED_FRAUD Please contact card issuer for more information.
EXCEEDS_APPROVAL_AMOUNT_LIMIT Transaction violates issuer amount limit. Please contact card issuer for more information or try with another card.
RESTRICTED_CARD Card not supported in this region or country. Please contact card issuer for more information.
TRANSACTION_DOES_NOT_FULFILL_AML_REQUIREMENT This transaction does not fulfill compliance requirements and cannot be processed.
EXCEEDS_WITHDRAWAL_FREQUENCY_LIMIT Please attempt with another card or contact card issuer for more information.
ALLOWABLE_NUMBER_OF_PIN_ENTRY_TRIES_EXCEEDED The maximum permitted number of PIN entry attempts has been exceeded. Please use another payment method.
CRYPTOGRAPHIC_ERROR_FOUND_IN_PIN The supplied PIN is invalid.
NEGATIVE_RESULTS Invalid security code.
CANNOT_VERIFY_PIN The PIN is invalid or missing. Please try again with the correct PIN.
ISSUER_INOPERATIVE Please attempt transaction again and contact card issuer if it still cannot be processed.
FINANCIAL_INSTITUTION_NOT_FOUND The issuer can not be found. Please check card number to ensure it is valid.
TRANSACTION_NOT_COMPLETED_LAW_VIOLATION The transaction cannot be completed because it violates a law.
SURCHARGE_AMOUNT_NOT_SUPPORTED The supplied surcharge amount is not supported by the issuer.
TRANSACTION_AMOUNT_EXCEEDS_PREAUTHORIZED_APPROVAL_AMOUNT Transaction violates amount limit.
CARD_AUTHENTICATION_FAILED Please contact card issuer for more information.
STOP_PAYMENT_ORDER Please contact card issuer for more information.