Error Reasons

Check the error reasons and take appropriate actions.


All the possible values for the reason parameter in the error response along with their explanation and the next best action are shown below.

ReasonExplanationNext Steps
amount_less_than_minimum_amountAmount in the payment request is less than the minimum amount. Transacting through some banks have fixed fees. If the payment amount is less than the fixed fee then this error shows up.Please make sure that the payment amount is more than the minimum fees associated with the bank.
authentication_failedThe payment failed as 3D secure, or OTP authentication failed. This could happen if the user cancels the payment on the authentication (OTP submit) screen or enters incorrect authentication details such as OTP.The customer must enter correct authentication details to complete the payment.
authorisation_declined_by_pspPSP app has rejected the authorisation request. This can happen when there is an issue/downtime with the PSP or there's an issue with the customer's VPA.Recheck the customer's VPA and retry. If this is recurring, then the customer can choose another PSP app and retry.
bank_account_invalidThe bank account is not valid. The customer or bank could have closed the account.The customer must try using a valid bank account or another method.
bank_account_validation_failedThe third party validation failed as the given bank account details were incorrect or could not be verified.The customer should check the bank account details provided and try again.
bank_cutoff_in_progressBank CBS cutoff is in progress. This is a periodic event at the bank's end.The customer must retry.
bank_not_availableBank is not available due to a downtime or a technical issue.The customer must retry.
bank_not_enabledThe selected bank to complete the transaction is not enabled for your business.Please reach out to Razorpay to enable the selected bank.
bank_technical_errorThe issuing bank was facing technical problems at the moment the payment was attempted. This usually occurs when the Core Banking System encounters a technical error while processing the payment.The customer must try using another bank account or another method.
beneficiary_account_does_not_existAn issue with the beneficiary account which doesn't exist.Please reach out to Razorpay.
beneficiary_account_dormantAn issue with the beneficiary account which is dormant.Please reach out to Razorpay.
capture_failedPayment was authorized by the bank but the gateway failed to capture it due to some error.The customer must retry the payment.
card_declinedIssuer Bank can decline the card due to multiple checks at their end. The exact reason in this case is not shared with Razorpay. Customer needs to reach out to the issuing bank.The customer can reach out to Issuer Bank to get more details.
card_expiredThe customer is making the payment with an expired card.The customer must use a different card or method.
card_network_not_enabledThe card network through which payment was being attempted is not enabled for your business. For example, payment being tried through Amex credit card and the same is not enabled for your business.Reach out to Razorpay to get the required card network enabled.
card_not_enrolledIf the card is not enrolled, this means that either the issuing bank (of the card) does not support 3DS or the card holder has not yet registered for the 3D secure service.The customer must enroll the card with the issuer and retry the payment or use a different card or method.
card_number_invalidThe customer has entered an incorrect card number which is not part of any BIN/ IIN.The customer must enter the correct card number.
card_type_invalidThe customer is using an unsupported card type to complete the payment. For example, mutual fund purchases are not allowed via credit cards.The customer must use the correct card type to complete the payment.
collect_on_mcc_blockedNPCI blocks collect requests on certain MCCs. (6540).Please retry using intent flow.
collect_request_pendingCollect Request is pending. Customer has not actioned on it or the callback is not yet received by the acquirer.The customer has to approve the collect request.
compliance_violationAny compliance violation at the customer or merchant level.
- If the risk check failed at the customer level, the customer can reach out to their bank to get more details.
- If the risk check failed at the merchant level, please reach out to Razorpay.
This information will be available in the "source" parameter.
credit_limit_exceededThe customer has exceeded the credit limit extended to him. This error occurs in Cardless EMI payments.The customer must retry using a different payment method.
credit_limit_expiredThe credit limit for the customer has expired. This error occurs in Cardless EMI payments.The customer must retry using a different payment method.
credit_limit_inactiveThe credit limit for the customer is inactive. This may be due to pending action from the customer's end. This error occurs in Cardless EMI payments.The customer must activate the credit limit or retry using a different payment method.
credit_limit_not_approvedThe credit limit for the customer is not approved. This error occurs in Cardless EMI payments.The customer must retry using a different payment method.
credit_not_permittedThe beneficiary bank has not allowed the credit to happen into the merchant's account. This can be because of the TPV account mismatch or an issue at the beneficiary bank.The customer should check their bank account details and retry.
credit_failedThe beneficiary bank has not allowed the credit to happen into the merchant's account. This can be because of TPV account mismatch or an issue at the beneficiary bank.The customer should check their bank account details and retry.
debit_declinedThe customer bank has declined the debit request. One of the reasons can be because of the account being blocked.The customer has to check with their bank.
deemed_transactionThis is the case of a deemed transaction wherein the status of the transaction is not known to the acquirer and the status will be known on the next day.Please check the status after some time.
debit_instrument_blockedThe customer is using a blocked card to complete the payment. The card could have been blocked by the issuer or by customers themselves.The customer must retry with a different card or method.
debit_instrument_inactiveThe customer is using an inactive or frozen card to complete the payment. The card could have been marked inactive by the issuer or by customer themselves.The customer must retry using a different card or method to complete payment.
duplicate_refund_idTwo refunds with the same Refund ID have been initiated.Please recheck the refund ID and retry.
duplicate_requestA payment initiation request with the exact same parameters was passed to the gateway. This can be an integration issue with the merchant.Please check the payment parameters and retry.
duplicate_rrn_foundA payment with the same RRN is found. A very rare case but possible as the RRN is not unique. This is a rare and temporary issue which can be fixed by a retry.The customer must retry.
emi_greater_than_max_amountThe EMI amount is greater than the maximum amount allowed for the customer. This error occurs in Cardless EMI payments.The customer must use a different EMI plan or retry using a different method.
emi_plan_unavailableThe customer-selected EMI plan is no longer supported by the EMI provider. This error occurs in Cardless EMI payments.The customer must use a different EMI plan or retry using a different method.
funds_blocked_by_mandateThis is an error for One time Mandate product. Funds are blocked and customer is trying to access these funds via payment.The customer should add more funds or release their mandate to complete the transaction.
funds_blocked_by_mandateThis is an error for One time Mandate product. Funds are blocked and customer is trying to access these funds via payment.The customer should add more funds or release their mandate to complete the transaction.
gateway_technical_errorPayment failed due to a technical error at the gateway. This usually occurs when the gateway server encounters a technical error while processing the payment.Please retry with a different payment method or retry after some time.
incorrect_atm_pinSome banks ask for Debit card information for authentication. If the customer enters the ATM pin incorrectly, this error is thrown during the UPI registeration process.
Note: This is a very rare error code in payment transactions.
The customer must retry with the correct ATM PIN.
incorrect_card_detailsThis is a generic error message when a customer has entered incorrect card details to complete the payment. The customer has to enter multiple values like cardholder name, expiry date, cvv to complete the payment.The customer must use the correct card details to complete the payment.
incorrect_card_expiry_dateThe customer has entered an incorrect expiry date of the card.The customer must enter the correct expiry date of the card.
incorrect_cardholder_nameThe customer has entered an incorrect name of the card holder.The customer must enter the correct name of the card holder.
incorrect_cvvThe customer has entered an incorrect CVV to complete the payment.The customer must retry with the correct CVV.
incorrect_otpThe customer has entered an incorrect OTP to complete the payment.The customer must retry and enter the correct OTP.
incorrect_pinThe customer has entered an incorrect PIN to complete the payment.The customer must retry with the correct PIN.
input_validation_failedPayment failed due to wrong request or input sent in the payment request. This is also seen while creating a payment with incorrect parameter values on the Dashboard.Rectify the validation issues and try again. Check the error description and field parameters for more information about the error.
Check your integration/payment request or reach out to Razorpay. Refer to the .
insufficient_fundsThe customer does not have sufficient funds in the account to complete the payment.The customer must retry with a different card or method.
international_transaction_not_allowedInternational transactions are not enabled for your account or for a specific product. Refer to the error description parameter for more details.Contact our to get international transactions enabled for the product or account.
invalid_amountAmount or currency passed in the payment request is not supported or invalid. This can arise when you pass a different variable type in the amount field or pass an unsupported amount value.Check your integration and payment request.
invalid_currencyThe currency type for the request you are sending is not enabled or not supported for your business. For example, you are attempting a payment in British pound when international currency is not enabled for your account.
Reach out to Razorpay to enable the currency or get more information about the supported currencies.
invalid_deviceUPI mandates that all transactions must at least be 2FA using a mobile device(the device fingerprint) as one factor and the UPI PIN as the second. This error occurs when a user tries to complete the payment using an unregistered device to send or receive payments using that account.The customer must first complete the device binding process and try again.
invalid_emailThe customer has provided an invalid email.The customer must retry using the correct email.
invalid_mobile_numberThe customer used an unregistered or invalid mobile number to complete the transaction. This error occurs in Wallet payments.The customer must use the registered mobile number with the issuer to complete the transaction.
invalid_order_idOrder ID required in the payment request is either missing or is invalid. Order ID is mandatory for every payment.Make sure correct order ID is always passed while initiating a new payment.
invalid_response_from_gatewayThe response received from the gateway is invalid.The customer must retry with the correct ATM PIN.
invalid_requestThe request is invalid because of the information that the merchant has passed.Please check the payment request and retry.
invalid_user_detailsThe customer does not exist.The customer must use valid credentials.
invalid_vpaThe customer is using an invalid VPA or an unregistered VPA to complete the payment.The customer must use a valid VPA to complete the payment.
issuer_technical_errorPayment failed due to a technical error at the issuer. This usually occurs when the gateway server encounters a technical error while processing the payment.Please retry with a different payment method or retry after some time.
issuer_technical_errorA technical error at the issuer (UPI).The customer must retry.
live_mode_not_enabledLive mode is not enabled for your business. This error generally arises when you use test mode keys to make a live payment.Generate the live mode keys in and use them in your Integration.
mandate_creation_declinedMandate creation failed. This is applicable for UPI Autopay and UPI OTM.The customer must retry.
mandate_creation_expiredMandate creation expired.The customer must retry.
mandate_creation_failedMandate creation declined by an entity.The customer must retry.
mandate_creation_timeoutMandate creation timed out.The customer must retry.
mcc_amount_limit_exceededNPCI restricts Collect requests over 5k for some MCCs (4814 & 4812).Please reach out to Razorpay.
merchant_not_activatedMerchant is not activated with the gateway. An issue with the merchant's terminal/account.Please reach out to Razorpay.
mismatch_in_transaction_detailsThe merchant has not passed the transaction details correctly.Reach out to Razorpay to get the required card network enabled.
mobile_number_invalidThe customer is using an invalid or an unregistered mobile number to complete the payment. This means that the mobile number is not mapped to the bank account.The customer should check the mobile number mapped to their UPI account and reach out to bank to get the correct mobile number mapped.
order_already_paidThere can only be one successful payment for each order ID. This error arises when you are trying to use an order ID where a payment is already completed.Check for order status before initiating a new payment attempt on the order. You can also evaluate using a different order ID for each payment.
order_payment_method_mismatchThis error arises when the method mentioned in the order request is different from the method mentioned in the payment request.Do not pass method in the create order request.
order_amount_mismatchThis error arises when the amount mentioned in the order request is different from the amount mentioned in the payment request.Please make sure that the same amount is passed in both payment and order request.
otp_attempts_exceededThe customer has entered the wrong OTP multiple times and exceeded the limit. Some issuers limit the number of OTP retries, beyond which the card is temporarily blocked.The customer must retry using a different card or method.
otp_expiredThe customer has entered an expired OTP.The customer must generate OTP again and retry the payment.
payment_amount_tamperedThe payment amount has been tampered.The customer must retry with the correct amount.
payment_cancelledThe customer has explicitly cancelled the payment due to which the authentication failed to complete.The customer must retry to complete the payment.
payment_collect_request_expiredThe UPI collect request time period has expired. For example, in most collect requests the expiry period is 5-10 minutes within the payment has to be completed by the customer on the UPI app. If a customer fails to complete the payment during this time, the collect request is marked as expired and the payment fails.The customer must retry and complete the payment within the expiry time.
payment_declinedIssuer Bank or Gateway has declined the payment due to business or technical reasons. The exact reason in this case is not communicated to Razorpay.Customer must reach out to the issuer bank.
payment_declined_due_to_high_trafficPrimarily occurs in the case of high TPS scenarios like IPL wherein the bank is unable to serve requests.The customer must retry.
payment_failedPayment processing failed due to error at bank or wallet gateway. No specific error code received from gateway in this case.Please retry with a different payment method.
payment_method_not_enabledThe selected payment method is not enabled for your business. This error occurs when your customer tries to complete a transaction using a method that is not enabled for you.Reach out to Razorpay to enable payment method.
payment_method_not_enabledUPI is not enabled however merchant has hit the UPI Payment request on API.Please enable the payment method.
payment_pendingThe payment was marked as pending by the bank or the gateway. Pending transactions may later on become authorized. This is known as late authorization.The customer must wait for some time and retry the payment.
payment_pending_approvalThe payment is currently pending approval by the concerned authority as part of the maker-checker flow.Please reach out to the approver in your organization to get the transaction approved.
payment_risk_check_failedPayment declined due to risk checks. Risk checks are performed by Razorpay, Gateway and Issuer Bank. The source parameter would give additional clarity where the risk check failed.The customer must retry with a different card or method.
payment_session_expiredThe payment session expired as the payment was not completed within the time by the customer. This is mostly due to an inactive payment window.The customer must retry to complete the payment within the time.
payment_timed_outThe customer did not complete the transaction within the specified time. This error may also happen when no response is received from the gateway.The customer must retry and complete the transaction within the time.
pin_attempts_exceededThe customer has entered the wrong PIN multiple times and exceeded the limit. Some issuers limit the maximum number of PIN retries beyond which the card is temporarily blocked.The customer must retry using a different card or method.
pin_not_setThere is no PIN set by the customer for the UPI account.The customer must set the UPI PIN first, and then retry to complete the payment.
psp_app_ not_availablePSP app is not available. This can be because of a downtime with the PSP.The customer must retry with another PSP app.
psp_app_not_supportedUPI App is not supported. This is a rare error used when a particular app is blacklisted.Please choose another PSP app and try again.
psp_not_availablePSP is not available due to a downtime at their end.The customer must choose another PSP app and retry.
psp_not_availablePSP is not available due to a downtime at their end.The customer must choose another PSP app and retry.
psp_not_registeredThe PSP is not registered on the customer's device.The customer must retry with another PSP app.
record_not_foundA record of a payment is not found at the bank. This usually happens when a status check call is hit for intent payments for which the status check call is not hit.The customer must retry.
recurring_payment_not_enabledThis error arises when you are trying to process a recurring payment when recurring payments are not enabled for your business.Reach out to Razorpay to enable the recurring payment.
refund_limit_crossedRefund amount limit crossed.Please recheck the refund amount and retry.
reqauth_mandate_not_acknowledgedPSP did not respond to the authorisation request for the mandate. This can happen due to a downtime with a PSP.The customer must retry.
request_timed_outThe request timed out.The customer must retry.
server_errorTechnical error at Razorpay's server. This usually occurs when there is some server issue at Razorpay's end.Please retry after some time or reach out to Razorpay.
transaction_daily_count_exceededThe customer has exceeded the maximum number of transactions that can be performed daily for his card.The customer must try after 24 hours or using a different card or another method.
transaction_daily_limit_exceededThe customer has exceeded the daily transaction limit set on the card. Some of the cards allow customers to set a limit or have a default limit set.The customer must retry using a different instrument or wait 24 hours to complete the payment.
transaction_limit_exceededThe customers have exceeded the credit or debit limit set on their cards. This error usually arises while doing high value transactions.The customer must retry using a different bank's card or method.
transaction_frequency_limit_exceededNPCI has a transaction limit both on the amount and the frequency per day. Customer has exceeded this limit.Please retry using another payment method.
transaction_on_vpa_restrictedTransaction on this VPA has been temporarily/permanently blocked by the PSP.The customer to retry with another UPI ID.
upi_app_technical_errorTechnical error occurred at the customer’s PSP due to which the payment failed.The customer must retry the payment. If the error persists then the customer should use a different psp to complete the payment.
upi_autopay_not_supported_on_pspUPI Autopay is not supported on PSP.Please retry with another PSP app.
upi_collect_not_enabledUPI Collect flow is not enabled however merchant has hit the Collect payment request on API.Please enable collect flow.
upi_intent_not_enabledUPI Intent flow is not enabled however merchant has hit the Intent Payment request on API.Please enable intent flow.
user_not_eligibleThe customer failed the eligibility check and is not eligible for credit. This error occurs in Cardless EMI payments.The customer must retry using a different payment method.
user_not_registered_for_netbankingThe customer's bank account is not registered for netbanking.The customer should register their account with the issuing bank for netbanking.
vpa_resolution_failedThe UPI network failed to validate the VPA. This is a technical error when the resolution service of the NPCI fails.The customer must retry using a different bank account or method.
verification_failedVerification of the payment using the status check API has failed.This is a temporary error. The customer must retry.

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