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Every processor returns decline codes in different formats. PayNext normalizes these into a unified system so you get consistent analytics, predictable retry logic, and clear decline reasons regardless of which processor handled the payment. When a payment doesn’t succeed, PayNext returns a status and status_reason:
StatusMeaning
FAILEDTechnical or system error (timeout, malformed request)
DECLINEDIssuer or processor rejected the payment
BLOCKEDPayment blocked by workflow settings
INCOMPLETECustomer didn’t complete authentication

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Payload Example

{
  "status": "declined",
  "status_reason": {
    "advice_code": "try_again_later",
    "decline_code": "insufficient_funds",
    "message": "Card has insufficient funds"
  }
}

​
Response Fields

FieldDescriptionExample values
statusPayment outcomefailed, declined, blocked, incomplete
status_reason.advice_codeRetry guidancetry_again_later, do_not_try_again
status_reason.decline_codeStandardized decline codeissuer_unavailable, insufficient_funds, expired_card
status_reason.messageHuman-readable description from processorNot enough funds available.

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Available Codes

Standard declines are listed below. Authentication-specific codes are covered in Incomplete Payments.
statusadvice_codedecline_codemessage
declinedtry_again_laterinsufficient_fundsNot enough funds available.
declinedtry_again_laterdo_not_honorIssuer declined the transaction.
declinedtry_again_laterwithdrawal_limit_exceededTransaction exceeds the payment method limit.
declinedtry_again_laterissuer_unavailableIssuer temporarily unavailable.
declinedtry_again_latercard_declinedCard declined by the issuer.
declineddo_not_try_againcard_lost_or_stolenThe card has been reported lost or stolen.
declineddo_not_try_againinvalid_card_numberThe card number is invalid.
declineddo_not_try_againexpired_cardThe payment method has expired.
declineddo_not_try_againsuspected_fraudThe issuer flagged this payment as suspected fraud.
declineddo_not_try_againincorrect_cvcCVC verification failed
blockeddo_not_try_againworkflow_blockedThe payment was blocked by the workflow settings.
Subscription Impact: When a recurring (MIT) payment is blocked via workflow, the associated subscription is immediately cancelled—no retries are attempted. PayNext sends a subscription.cancelled webhook and stops scheduling future payments. Review your workflow conditions carefully to avoid unintended cancellations.
For do_not_try_again declines like expired_card or invalid_card_number, the customer must provide a new payment method. Use Recover Subscriptions for subscription renewals or the SDK checkout for one-time payments.

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Incomplete Payments

Payments that require customer authentication (Cash App, Venmo, cards with 3DS) can end as incomplete if the customer doesn’t finish the flow.
Decline CodeWhen It Occurs
payment_attempt_authentication_failedCustomer failed authentication (wrong OTP, declined in wallet app, failed biometric, issuer rejection)
payment_attempt_authentication_cancelledCustomer abandoned the flow (closed window, timed out, did not complete authentication)

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Response Example

{
  "status": "incomplete",
  "status_reason": {
    "advice_code": "",
    "decline_code": "payment_attempt_authentication_cancelled",
    "message": "The provided payment method has not completed authentication."
  }
}
For card payments with 3DS, additional context is available in the three_d_secure object. See 3D Secure for details.
If 3DS credentials are misconfigured, you receive a failed payment. See Configure External 3DS Per Processor to update the configuration.

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Network Code Mapping

PayNext automatically maps raw Visa and Mastercard response codes to standardized decline reasons:
Network CodeDescriptionCard NetworksAdvice CodeDecline Reason
01Refer to the card issuerMastercardtry_again_latercard_issuer_decline
03Invalid merchantMastercard, Visado_not_try_againgeneric_decline
04Pickup card (no fraud) [Visa] / Capture card [Mastercard]Mastercard, Visado_not_try_againcard_lost_or_stolen
05Do not honorMastercard, Visatry_again_laterdo_not_honor
07Pickup card, special conditionsVisado_not_try_againcard_lost_or_stolen
12Invalid transactionMastercard, Visado_not_try_againgeneric_decline
13Invalid amountMastercarddo_not_try_againgeneric_decline
14Invalid card numberMastercard, Visado_not_try_againinvalid_card_number
15No such issuerMastercard, Visado_not_try_againgeneric_decline
19Re-enter transactionVisatry_again_laterissuer_unavailable
30Format errorMastercardtry_again_latercard_declined
41(Pickup card) lost cardMastercard, Visado_not_try_againcard_lost_or_stolen
43(Pickup card) stolen cardMastercard, Visado_not_try_againcard_lost_or_stolen
46Closed AccountVisado_not_try_againgeneric_decline
51Insufficient funds / Not Sufficient FundsMastercard, Visatry_again_laterinsufficient_funds
54Expired card / Expiration date missingMastercard, Visado_not_try_againexpired_card
57Transaction not permitted to the issuer/cardholderMastercard, Visado_not_try_againgeneric_decline
58Transaction not permitted to the acquirerMastercarddo_not_try_againgeneric_decline
59Suspected fraudVisado_not_try_againsuspected_fraud
61Exceeds withdrawal amount limit(s) / Exceeds approval amount limitMastercard, Visatry_again_laterwithdrawal_limit_exceeded
62Restricted cardMastercard, Visado_not_try_againgeneric_decline
63Security violationMastercardtry_again_latercard_issuer_decline
65Exceeds Withdrawal Frequency LimitMastercard, Visatry_again_laterwithdrawal_limit_exceeded
70Contact card issuerMastercardtry_again_latercard_issuer_decline
76Invalid/non-existent “To Account” specifiedMastercarddo_not_try_againgeneric_decline
77Invalid/non-existent “From Account” specifiedMastercarddo_not_try_againgeneric_decline
78Invalid/nonexistent account specified (general)Mastercarddo_not_try_againgeneric_decline
78Blocked, first usedVisatry_again_latercard_issuer_decline
79LifecycleMastercarddo_not_try_againgeneric_decline
82PolicyMastercarddo_not_try_againgeneric_decline
83Fraud / SecurityMastercarddo_not_try_againsuspected_fraud
84Invalid Authorization LifecycleMastercarddo_not_try_againgeneric_decline
88Cryptographic failureMastercarddo_not_try_againgeneric_decline
91Issuer unavailable or switch inoperativeMastercard, Visatry_again_laterissuer_unavailable
92Unable to route transactionMastercardtry_again_latercard_declined
93The transaction cannot be completed; violation of the lawVisado_not_try_againgeneric_decline
96System malfunctionMastercard, Visatry_again_laterissuer_unavailable
R0Stop Payment OrderVisado_not_try_againgeneric_decline
R1Revocation of Authorization OrderVisado_not_try_againgeneric_decline
R3Revocation of all authorization ordersVisado_not_try_againgeneric_decline
N7Decline for CVV2 FailureVisado_not_try_againincorrect_cvc
1AAdditional Customer Authentication Required (Europe only)Visatry_again_laterauthentication_required