Create Payment Error Examples
Note
Sandbox only.
In an upcoming release, Create Payment error responses in the production environment will include PAYMENT_FAILED webhook data.
When a Create Payment request cannot be completed, Rapyd returns an error response and triggers a PAYMENT_FAILED webhook.
The error response consists of:
A
statusobject, with information about the requested operation and the error code and message. For details, see Error Messages > Response Format.A
dataobject, with the data from the PAYMENT_FAILED webhook. For thedataparameter details, see Payment Failed Webhook > Webhook Data Parameters.
For payment error codes and messages, see:
A Create Payment request may include a new object such as a customer or an address. If the object is not valid and causes the payment to fail, Rapyd triggers a PAYMENT_FAILED webhook and returns an object error response. See Customer Errors and Address Errors. The object error response includes the PAYMENT_FAILED webhook data.
Examples
If an organization that is not configured for an account funding transaction (AFT) requests an AFT payment, the payment fails and Rapyd returns the ERROR_ACCOUNT_FUNDING_TRANSACTION error.
{
"status": {
"error_code": "ERROR_ACCOUNT_FUNDING_TRANSACTION",
"status": "ERROR",
"message": "The request tried to create an account funding transaction, but your organization is not configured for such transactions. The request was rejected. Corrective action: Contact Rapyd Client Support.",
"response_code": "ERROR_ACCOUNT_FUNDING_TRANSACTION",
"operation_id": "71075b65-d1ee-4156-a2a1-2d932467d401"
},
"data": {
"id": "payment_60d641cc25b8ee5fdf735fa2e38909cc",
"amount": 4,
"original_amount": 4,
"is_partial": false,
"currency_code": "GBP",
"country_code": "AT",
"status": "ERR",
"description": "AFT",
"merchant_reference_id": "",
"customer_token": "cus_08643ad16cb2cf7bcfabe5e8d6401ed1",
"payment_method": null,
"payment_method_data": {
"id": null,
"type": "at_visa_card",
"category": "card",
"metadata": null,
"image": "",
"webhook_url": "",
"supporting_documentation": "",
"next_action": "not_applicable",
"name": "John Doe",
"last4": "1111",
"acs_check": "unchecked",
"cvv_check": "unchecked",
"bin_details": {
"type": "CREDIT",
"brand": "VISA",
"level": "CLASSIC",
"issuer": "VISA EUROPE LIMITED",
"country": "GB",
"bin_number": "411111"
},
"expiration_year": "31",
"expiration_month": "12",
"fingerprint_token": "ocfp_d7cef7413ee9e625485ca18f3ad68bdc"
},
"auth_code": null,
"expiration": 0,
"captured": true,
"refunded": false,
"refunded_amount": 0,
"receipt_email": "",
"redirect_url": "",
"complete_payment_url": "https://www.rapyd.net/complete",
"error_payment_url": "https://www.rapyd.net/error",
"receipt_number": "",
"flow_type": "",
"address": {
"id": "",
"name": "John Doe",
"line_1": "123 State Street",
"line_2": "Apt. 34",
"line_3": "",
"city": "Anytown",
"state": "",
"country": "AT",
"zip": "12345",
"phone_number": "12125559999",
"metadata": {},
"canton": "",
"district": "",
"created_at": ""
},
"statement_descriptor": "ISO submerchant",
"transaction_id": "",
"created_at": 0,
"metadata": null,
"failure_code": "",
"failure_message": "",
"paid": false,
"paid_at": 0,
"dispute": null,
"refunds": null,
"order": null,
"outcome": null,
"visual_codes": {},
"textual_codes": {},
"instructions": {},
"ewallet_id": "ewallet_5f99940eb6db41474934ced5009b0a4a",
"ewallets": [
{
"ewallet_id": "ewallet_5f99940eb6db41474934ced5009b0a4a",
"amount": 4,
"percent": 100,
"refunded_amount": 0
}
],
"payment_method_options": {
"aft": true,
"purpose_code": "family_support",
"3d_required": true
},
"payment_method_type": "at_visa_card",
"payment_method_type_category": "card",
"fx_rate": 1,
"merchant_requested_currency": null,
"merchant_requested_amount": null,
"fixed_side": "",
"payment_fees": null,
"invoice": "",
"escrow": null,
"group_payment": "",
"cancel_reason": null,
"initiation_type": "customer_present",
"mid": "",
"next_action": "not_applicable",
"error_code": "",
"remitter_information": {},
"save_payment_method": false,
"merchant_advice_code": null,
"merchant_advice_message": null
}
}
If a payment amount requires 3DS authentication but 3DS was not completed, the payment fails and Rapyd returns the ERROR_PROCESSING_CARD - [65] error.
{
"status": {
"error_code": "ERROR_PROCESSING_CARD - [65]",
"status": "ERROR",
"message": "[Authentication Required or Activity Limit Exceeded] The request attempted a card operation, but 3DS was not completed or the transaction would exceed the card’s activity limit. The request was rejected. Corrective action: Resubmit with 3DS required or use another payment method.",
"response_code": "ERROR_PROCESSING_CARD - [65]",
"operation_id": "b853d6ab-a944-4878-a8fb-09b20798d97a"
},
"data": {
"id": "payment_3756efe04a548f33d863b9ed2ab47e4a",
"amount": 1065,
"original_amount": 1065,
"is_partial": false,
"currency_code": "ISK",
"country_code": "IS",
"status": "ERR",
"description": "3d required",
"merchant_reference_id": "",
"customer_token": "",
"payment_method": null,
"payment_method_data": {
"id": null,
"type": "is_visa_card",
"category": "card",
"metadata": null,
"image": "",
"webhook_url": "",
"supporting_documentation": "",
"next_action": "not_applicable",
"name": "John Doe",
"last4": "1111",
"acs_check": "unchecked",
"cvv_check": "unchecked",
"bin_details": {
"type": "DEBIT",
"brand": "VISA",
"level": "GOLD",
"issuer": "VISA EUROPE LIMITED",
"country": "SG",
"bin_number": "411111"
},
"expiration_year": "31",
"expiration_month": "12",
"fingerprint_token": "ocfp_390e2458145198c71060fd5681def0b3"
},
"auth_code": null,
"expiration": 0,
"captured": true,
"refunded": false,
"refunded_amount": 0,
"receipt_email": "",
"redirect_url": "",
"complete_payment_url": "https://www.rapyd.net/complete",
"error_payment_url": "https://www.rapyd.net/error",
"receipt_number": "",
"flow_type": "",
"address": null,
"statement_descriptor": "ISO submerchant",
"transaction_id": "",
"created_at": 0,
"metadata": {},
"failure_code": "65",
"failure_message": "Authentication Required or Activity Limit Exceeded",
"paid": false,
"paid_at": 0,
"dispute": null,
"refunds": null,
"order": null,
"outcome": null,
"visual_codes": {},
"textual_codes": {},
"instructions": {},
"ewallet_id": "ewallet_5f99940eb6db41474934ced5009b0a4a",
"ewallets": [
{
"ewallet_id": "ewallet_5f99940eb6db41474934ced5009b0a4a",
"amount": 7,
"percent": 100,
"refunded_amount": 0
}
],
"payment_method_options": {
"3d_required": false
},
"payment_method_type": "is_visa_card",
"payment_method_type_category": "card",
"fx_rate": 1,
"merchant_requested_currency": null,
"merchant_requested_amount": null,
"fixed_side": "",
"payment_fees": null,
"invoice": "",
"escrow": null,
"group_payment": "",
"cancel_reason": null,
"initiation_type": "customer_present",
"mid": "",
"next_action": "not_applicable",
"error_code": "ERROR_PROCESSING_CARD - [65]",
"remitter_information": {},
"save_payment_method": false,
"merchant_advice_code": "02",
"merchant_advice_message": "Try again later"
}
}