Transaction Errors
This page describes the possible transactions errors that can occur during payments.
There are multiple possible reasons due to which a payment transaction failure can occur. For example, if the user's bank server is not responding then a payout transaction may fail, or if user tried to make payment through an account with insufficient balance.
Transaction errors can happen in both user payment or payout.
We generally receive an error response from the payment service provider API when there is a transaction error. Sometimes this error can be cryptic and not easy to understand.
Below we have documented most of the errors that we have ever faced and did some research on what they could possibly mean. Their exact title or label may change between payment provider but some of these look generic enough to have a consistent meaning throughout the providers.
Online documentation for error codes:
| Error Code | Explanation from docs | Assumed explanation |
|---|---|---|
TXN_AUTO_FAILED | Auto-expiry after user cancels transaction - We tried canceling a transaction and the system captured this error after around 20-25min and status changed from pending to failed. | |
SUCCESS | Successful transaction | |
NULL | All the response code with null value have "code" set to TRANSACTION_NOT_FOUND - as per PhonePay doc this means the transaction id is incorrect. Not currently sure of the root cause for this. | |
Z9 | INSUFFICIENT FUNDS IN CUSTOMER (REMITTER) ACCOUNT | |
U30 | DEBIT HAS BEEN FAILED | We tried with an account without insufficient balance from Paytm. That also resulted in U30 error. |
INTERNAL_SERVER_ERROR | ||
YE | REMITTING ACCOUNT BLOCKED/FROZEN | |
ZM | Incorrect MPIN | |
ZU | JusPay - Daily cumulative amount exceeds | |
TXN_FAILED | ||
B3 | TRANSACTION NOT PERMITTED TO THE ACCOUNT (EXAMPLE: MINOR ACCOUNT, PROPRIETOR ACCOUNT, LEGAL CASE AGAINST THIS ACCOUNT ETC., NRE (AS PER BANK’S POLICY)) | |
U90 | Technical issue at bank - see this link | |
REQUEST_TIME_OUT | ||
U54 | TRANSACTION ID OR AMOUNT IN CREDENTIAL BLOCK DOES NOT MATCH WITH THAT IN REQPAY | |
Z6 | NUMBER OF PIN TRIES EXCEEDED | |
UT | REMITTER/ISSUER UNAVAILABLE (TIMEOUT) | |
UPI_BACKBONE_ERROR | ||
REQUEST_DECLINE_BY_REQUESTEE | ||
INCORRECT_CVV | ||
IE | ||
NO | NO ORIGINAL REQUEST FOUND DURING DEBIT/CREDIT |
Last updated