Payment Failure / Decline Codes

If a payment request is declined by the processor or fails for another reason, the status property will be set to Failed and the FailureData object will be populated.

Read the FailureData contents to determine how your code should handle the failure.

...,
    "FailureData": {
        "Code": "4005",
        "Description": "Do Not Honor",
        "MerchantActionText": "Try a different payment method",
        "IsDecline": true
    },
...

Code
4-digit PaySimple error code. The code will not change, so it's safe to create code logic reacting to a specific failure code.

Description
Short description of the error. This is in human-readable format, so it is a good practice to display this text to the user in your interface. Don't base logic in your code on this text, as it may change from time to time.

MerchantActionText
Instructions to the merchant on what steps, if any, can be taken to correct the issue. Don't base logic in your code on this text, as it may change from time to time.

IsDecline
true indicates that the failure was due to the transaction being declined by the processor; false indicates a failure due to any other reason.

Failure codes are listed below. Please note new codes are added from time to time. An x under your Credit Card or ACH processor indicates the code is active for that processor.

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Most merchants are set up for credit card processing using TSYS and ACH processing using Forte. If you are unsure which processor you use, contact your PaySimple support representative.

Credit Card Failure Codes

ACH Failure Codes