Card Response Codes

EBANX provides a wide range of payment methods. Here we will show you how to collect possible payment errors when made with card payment methods.

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Overview

When a credit card transaction is processed, it may return various statuses that indicate the outcome of the transaction. These statuses are essential for understanding whether a payment was successful or if there were issues that need to be addressed.

The credit card transaction status will be returned in the response of the direct and query API methods in the payment.transaction_status code.

{
  "payment": {
    "transaction_status": 
      {
        "acquirer": "EBANX",
        "code": "NOK",
        "description": "Not accepted"
      }
    }
}

info

You must not rely on these codes to confirm a payment, but you can use them to improve the user experience on your application.

List with response codes

Status	Description
Accepted	The transaction was accepted.
Not accepted	The transaction was not approved. Advise customer to contact the credit card issuer.
Insufficient funds	The credit card has no funds at the time of the transaction. Advise customer to use another credit card.
Incorrect customer data	The customer data is incorrect. Advise customer to review their data.
Expired card	The card has already expired. Advise customer to use another credit card.
Security code mismatch	The security code is incorrect. Advise customer to review the security code.
Invalid card or card type	The credit card is an invalid, nonexistent or unblocked card. Advise contacting the credit card issuer.
Invalid card number	The credit card number is invalid. Advise customer to review the credit card data.
3-D Secure required	3-D Secure is enabled for the credit card. Advise customer to use another credit card.
Timeout	The connection timed out at some point of the stream. Retry at any time.
No response from acquirer	Acquirer did not respond the request. Retry at any time.
Acquirer response error	Acquirer response has an error. Retry at any time.
Broken communication	The connection was broken at some point of the stream. Retry at any time
Communication mismatch	Bad communication between EBANX and the acquirer. Retry at any time.
Cannot fulfill transaction	The transaction could not be fulfilled or was already executed. Do not retry.
Cannot cancel transaction	The transaction could not be cancelled. Do not retry
Invalid due date	The credit card due date is invalid. Advise customer to review the credit card data.
Inactive card	The credit card is not active. Retry at any time.
Refunded	An issue has been issued for this credit card. Do not retry.
Unknown acquirer error	The acquirer experienced a strange error. Retry at any time.
High risk transaction	The transaction was declined for having a high probability of being fraudulent.
Issuer does not support installments	The selected number of installments is not available for this card.
Cannot process transaction at this moment	Acquirer could not process the request at the moment. Retry at any time.

Still need help?

We hope this article was helpful. If you still have questions, you can explore the following options:

• Merchant support: Contact our support team at sales.engineering@ebanx.com for assistance.
• Not a partner yet? Please complete the Merchant Signup Form, and our commercial team will reach out to you.