already_declined | The bank has already declined a similar mandate registration attempt by the customer. NPCI blocks retry attempts to avoid duplicate requests to the bank. | The customer must retry after 24 hours. |
authentication_failed | The customer has entered incorrect card or bank login details. | The customer must use the correct card details to complete the registration. |
bank_account_invalid | The 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_failed | The 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_technical_error | The destination bank was facing technical problems when 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 try after sometime. |
card_expired | The customer is making the payment with an expired card. | The customer must use a different card or method. |
card_number_invalid | The customer has entered an incorrect card number which is not part of any BIN/ IIN. | The customer must enter the correct card number. |
debit_instrument_blocked | The customer is using a blocked card or account to complete the registration. The account or card could have been blocked by the bank or by customers themselves. | The customer must retry with a different method. |
debit_instrument_inactive | The 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 use a different card or method. |
duplicate_request | A payment initiation request with the exact same parameters was passed to the gateway. The gateway is blocking duplicate requests. | The customer must retry after 30 min. |
gateway_technical_error | Payment failed due to a technical error at the gateway. This usually occurs when the gateway server encounters a technical error while processing the payment. | The customer must retry after some time. |
incorrect_card_expiry_date | The customer has entered an incorrect expiry date of the card. | The customer must enter the correct expiry date of the card. |
incorrect_cvv | The customer has entered an incorrect CVV to complete the payment. | The customer must retry with the correct CVV. |
incorrect_otp | The customer has entered an incorrect OTP to complete the payment. | The customer must retry and enter the correct OTP. |
incorrect_pin | The customer has entered an incorrect PIN to complete the payment. | The customer must retry with the correct PIN. |
insufficient_funds | The customer does not have sufficient funds in the account to complete the payment. | The customer must retry with sufficient balance in account. |
joint_account_not_allowed | The customer has tried to register the mandate on a joint account which is not allowed. Banks usually allow mandates to be registered on sole ownership accounts only. | The customer must retry with a different account. |
otp_attempts_exceeded | The 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 method or after some time. |
payment_cancelled | The customer has explicitly cancelled the payment due to which the authentication failed to complete. | The customer must retry to complete the payment. |
payment_failed | Destination Bank or Gateway has declined the payment due to business or technical reasons. The exact reason in this case is not communicated to Razorpay. | The customer must use a different method or retry after some time. |
payment_pending_approval | The payment is currently pending approval by the bank. | Please wait for sometime for the payment status to be updated, or retry after sometime. |
payment_risk_check_failed | Payment 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 not proceed with the payment at this time. |
payment_timed_out | The 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. |
server_error | Technical 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_limit_exceeded | The customers have exceeded the credit or debit limit set on their accounts. This error usually arises while doing high value transactions. | Please retry after informing the customer to update their transaction limits. |
user_not_registered_for_netbanking | The customer's bank account is not registered for netbanking. | The customer should register their account with the destination bank for netbanking. |