API Reason Codes

This document showcases the possible API Reason Codes you can expect to receive for various resources: Payments, Refunds, Payouts, Recoveries, Adjustments, and Disputes. If you interface with these endpoints, any Reason Code you come across will be listed below, and will provide context around API information like pending and failure API status.

Payment Failure Values

Values you can expect when interfacing with the /payments endpoint, specifically for the failure case.

`reason_code`	`reason_message`	`detail_code`	`detail_message`	Platform Action
`NOT_CAPTURED`	Failed to capture the payment	See credit card payment failure details possible values	See credit card payment failure details possible values	Respond according to recommended action associated with the returned failure details
`ECHECK_FRAUD`	Failed to capture the payment due to suspected fraud	See ACH payment failure details possible values	See ACH payment failure details possible values	Respond according to recommended action associated with the returned failure details
`BANK_NOT_CONFIRMED`	Failed to capture the payment due to incorrect information	See ACH payment failure details possible values	See ACH payment failure details possible values	Respond according to recommended action associated with the returned failure details
`BANK_SYSTEM_ERROR`	Failed to capture the payment due to bank system error	See ACH payment failure details possible values	See ACH payment failure details possible values	Respond according to recommended action associated with the returned failure details
`PAYMENT_EXPIRED`	Failed to capture the payment as it has expired	`request_expired`	The payment request has expired. Please refer to Payments documentation for details on when payment request expires.	Verify whether the payment was supposed to go through with the merchant and payer. If the payment was supposed to be captured, re-try the payment and be sure to capture it within the 7 day timeframe.
`REVIEW`	Failed to capture the payment.	`risk_review`	The payment could not be captured as it failed risk review	No action recommended. Let the merchant know that the payer will need to find an alternate method of payment.
`UNKNOWN`	Failed to capture the payment due to unknown reasons.	`unknown`	The payment could not be captured for unknown reasons	Reach out to WePay Support for assistance.
`POS_ERROR`	Failed to complete the POS request	See Card Present payment failure detail possible values.	See Card Present payment failure detail possible values.	Follow the guidance specific to the details.

Example

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{
	"reason_code": "REVIEW",
	"reason_message": "Failed to capture the payment.",
	"details": {
		"detail_code": "risk_review",
		"detail_message": "The payment could not be captured as it failed risk review."
	}
}

Credit Card Payment Failure Details

`reason_code`	`message`	`detail_code`	`detail_message`
`NOT_CAPTURED`	Failed to capture the payment	`invalid_address`	The address could not be verified
		`invalid_card_number`	The card number is invalid
		`invalid_card_type`	The card type is invalid
		`card_not_supported`	The card type does not support this purchase
		`incorrect_cid`	The CVC number is incorrect
		`decline_insufficient_funds`	The card has insufficient funds for this transaction
		`decline_card_stolen`	The card cannot be used for this transaction (it may have been reported stolen)
		`decline_card_inactive`	The card cannot be used for this transaction (it may have been reported inactive)
		`decline_credit_limit`	The card has reached its balance or credit limit available
		`decline_general`	The card has been declined for unknown reasons
		`card_expired`	The card has expired
		`card_invalid_data`	One or more fields associated with this transaction has invalid data
		`card_missing_fields`	The card data is missing required fields
		`system_failure`	Issuer or host system could not be reached
		`excessive_authorizations`	The card has exceeded its withdrawal limit
		`account_cannot_transact`	The card or the account its connected to cannot transact
		`bank_failure`	The bank declined this transaction for unknown reasons
		`no_payment_attempted`	Payment could not be captured for unknown reasons
		`failed_permanently`	Payment could not be captured for unknown reasons
		`unexpected`	Payment could not be captured for unknown reasons
		`undefined`	Payment could not be captured for unknown reasons
		`debit_card_not_accepted`	Debit card is not accepted for this transaction
		`exceeded_token_amount_limit`	This transaction exceeds the token amount limit
		`token_currency_mismatch`	This transaction does not match the currency specified in the token
		`processor_timed_out`	The processor was unavailable so we could not capture the payment
		`processor_declined`	The payment was declined by processor for unknown reasons

ACH Payment Failure Details

`reason_code`	`message`	`detail_code`	`detail_message`	Notes
`BANK_NOT_CONFIRMED`	Failed to capture the payment due to incorrect information	R01	Insufficient funds in account
		R02	Account is closed	This payment method will be deleted, but the `status` will be set to `unverified`.
		R03	No account on file	This payment method will be deleted, but the `status` will be set to `unverified`.
		R04	Invalid account number	This payment method will be deleted, but the `status` will be set to `unverified`.
		R06	Returned at request of originating bank
		R07	Authorization revoked by customer	This payment method will be deleted.
		R08	Payment stopped	This payment method will be deleted.
		R09	Insufficient collected funds in account being charged
		R10	Customer Advises Originator is Not Known to Receiver and/or Is Not Authorized by Receiver to Debit Receiver's Account.	This payment method will be deleted.
		R11	Advise that the merchant work with the payer to resolve the Advises Entry Not In Accordance with the Terms of the Authorization
		R12	Account sold to another financial institution
		R13	Invalid ACH routing number	This payment method will be deleted, but the `status` will be set to `unverified`.
		R14	Representative payee deceased or cannot continue in that capacity	This payment method will be deleted.
		R15	Beneficiary or account holder other than representative payee deceased	This payment method will be deleted.
		R16	Account funds have been frozen	This payment method will be deleted.
		R17	Item returned because of invalid data	This payment method will be deleted, but the `status` will be set to `unverified`.
		R19	Amount error
		R20	Account does not allow ACH transactions or limit has been exceeded	This payment method will be deleted, but the `status` will be set to `unverified`.
		R23	Credit entry refused by receiver	This payment method will be deleted.
		R28	Routing / Transit number check digit error	This payment method will be deleted, but the `status` will be set to `unverified`.
		R29	Corporate customer advises not authorized	This payment method will be deleted.
		R30	RDFI not participant in check truncation program
		R31	Permissible return entry
		R32	Receiving bank non-settlement
		R33	Return of item
		R34	Limited participation originating bank
		R35	Return of improper debit entry
		R36	Return of improper credit entry
		R40	Return of item by government agency
		R41	Invalid Transaction Code
		R42	Routing/transit number check digit error
		R43	Invalid account number
		R47	Duplicate enrollment
		R50	State law affecting RCK acceptance
		R70	Permissible return entry not accepted
		R71	Misrouted dishonored return - incorrect routing/transit # in RDFI id field
		R72	Untimely return - dishonored return was not sent within the established timeframe
		R73	Timely original return - RDFI certifies the original return entry was sent within established timeframe for original returns
		R74	Corrected return - RDFI is correcting a previous return entry that was dishonored because it contained incomplete or incorrect information
		R75	Original return not a duplicate
		R76	No errors found
		R80	Cross-border payment coding error
		R81	Non-participant in cross-border program
		R82	Invalid foreign RDFI identification
		R83	Foreign RDFI unable to settle
		R84	Cross-border entry not processed by originating gateway operator
		P01	Customized reject code for Chase TS reject reason: MOD CHECK ON RDFI-ID FAILED	This payment method will be deleted.
`BANK_SYSTEM_ERROR`	Failed to capture the payment due to bank system error	754	Bank account has been closed
		763	Invalid account number
		765	Customer has not authorized bank to accept these transactions
		R18	Improper effective entry date
		R21	Invalid company identification
		R22	Invalid individual ID
		R24	Duplicate entry
		R25	Addenda record error
		R26	Mandatory field error
		R27	Trace number error
		R28	Routing/transit number check digit error
		R37	Source document presented for payment
		R38	Stop payment on source document
		R39	Improper source document
		R44	Invalid individual ID
		R45	Invalid individual or company name
		R46	Invalid payee indicator code
		R51	Item is ineligible, notice not provided, signature not genuine, or original item altered for adjustment entry
		R52	Stop payment on item
		R53	Item and ACH entry presented for payment
		R61	Misrouted return - RDFI has placed incorrect routing/transit # in RDFI id field
		R67	Duplicate return
		R68	Untimely return - the return was not sent within the established timeframe
		R69	Field errors
		R94	Administrative return item was processed and resubmitted as a photocopy
		R95	Administrative return item was processed and resubmitted as a MICR-Split
		R97	Administrative return item was processed and resubmitted with corrected dollar amount
		R98	Indicates a return PAC (pre-authorized check); RDFI provides a text reason and indicated a new account number on the PAC itself
		R99	Indicates a return PAC (pre-authorized check); RDFI provides a text reason on the PAC itself for which there is no equivalent return reason code
`ECHECK_FRAUD`	Failed to capture the payment due to suspected fraud	R05	Unauthorized debit to consumer account
		R10	Customer advises not authorized or amount incorrect
		R14	Payee is deceased
		R15	Account holder is deceased
		R29	Corporate customer advised not authorized

Card Present Payment Failure Details

`reason_code`	`message`	`detail_code`	`detail_message`
`POS_ERROR`	Failed to complete the POS request	`already_refunded`	The original POS transaction has already been refunded.
		`amount_exceeded`	The requested amount in the transaction is higher than the original POS amount.
		`not_yet_captured`	The original POS transaction has not been captured yet.
		`already_captured`	The original POS transaction has already been captured.
		`already_cancelled`	The original POS transaction has already been cancelled.

Payment Pending Values

Reason codes for a payment in the pending state. These are only available as response values that WePay will send to your platform.

`reason_code`	`reason_message`	`detail_code`	`detail_message`
`PENDING_CAPTURE`	Payment pending capture	`manual_capture`	The payment is pending a manual capture
`UNKNOWN`	Payment is pending due to unknown reasons	`unknown`	The payment is pending due to unknown reasons
`PROCESSING`	Payment is being processed	`processing`	The payment currently under processing
`REVIEW`	Payment is currently in review	`risk_review`	The payment is currently pending risk review
`ECHECK_SUBMISSION`	Payment processing is pending echeck submission	`echeck_submission`	The payment is currently pending echeck submission
`BANK_VERIFICATION`	Payment is pending bank verification	`bank_verification`	The payment is currently pending bank verification

Refunds Failure Values

Values you can expect when interfacing with the /refunds endpoint, specifically for the failure case.

`reason_code`	`reason_message`	`detail_code`	`detail_message`
`UNKNOWN`	Failed to refund the payment due to unknown reasons	`unknkown`	The payment could not be refunded for unknown reasons
`REVIEW`	Failed to refund the payment	`risk_review`	The payment could not be refunded as it failed risk review

Refunds Pending Values

Values you can expect when interfacing with the /refunds endpoint, specifically for the pending case.

`reason_code`	`reason_message`	`detail_code`	`detail_message`
`UNKNOWN`	Refund is pending due to unknown reasons	`unknown`	The refund is pending due to unknown reasons
`REVIEW`	Refund is currently in review	`risk_review`	The refund is currently pending risk review
`PROCESSING`	Refund is being processed	`processing`	The refund is currently under processing

Payouts Failure Values

Values you can expect when interfacing with the /payouts endpoint, specifically for the failure case.

`reason_code`	`reason_message`	`detail_code`	`detail_message`
`SUSPECTED_FRAUD`	Payout was rejected due to suspected fraud	`suspected_payer_fraud`	The payout was rejected due to suspected payer fraud
		`suspected_merchant_fraud`	The payout was rejected due to suspected merchant fraud
		`account_compromised`	The payout was rejected as the account has been compromised
`VERIFICATION`	Payout was rejected as we were unable to verify the information	`unable_to_verify_controlling_owner`	The payout was rejected as we were unable to verify the controlling owner of the account
		`unable_to_verify_payer`	The payout was rejected as we were unable to verify one of the payments in this payout
		`unable_to_verify_owner_payer`	The payout was rejected as we were unable to verify the controlling owner of the account and one of the payments in this payout
`OTHER`	Payout was rejected for miscellaneous reasons	`against_tos`	Account violated our Terms of Service
		`account_cannot_go_negative`	The payout was rejected as it would have caused account to go negative
		`high_risk_account`	The payout was rejected for risk reasons
		`name_mismatch`	The payout was rejected as the name on the account didn't match
		`admin_kyc_mismatch`	The KYC country of the admin does not match the currency of the payout
		`other`	The payout failed due to unknown reasons
`UNKNOWN`	Payout was rejected due to unknown reasons	`unknown`	The payout failed due to unknown reasons

Payouts Pending Values

Values you can expect when interfacing with the /payouts endpoint, specifically for the pending case.

`reason_code`	`reason_message`	`detail_code`	`detail_message`
`REVIEW`	Payout is under review	`risk_review`	The Payout is currently under risk review
`PROCESSING`	Payout is being processed	`processing`	The Payout is currently under processing

Recoveries Failure Values

Values you can expect when interfacing with the /recoveries endpoint, specifically for the failure case.

`reason_code`	`reason_message`	`detail_code`	`detail_message`
`BANK_REJECT`	Rejected by the bank	`insufficient_funds`	The recovery attempt failed due to insufficient funds in the bank account
`UNKNOWN`	Failed due to unknown reasons	`unknown`	The recovery attempt failed due to unknown reasons

Recoveries Pending Values

Values you can expect when interfacing with the /recoveries endpoint, specifically for the pending case.

`reason_code`	`reason_message`	`detail_code`	`detail_message`
`PROCESSING`	Recovery is being processed	`processing`	The recovery is currently under processing
`UNKNOWN`	Recovery is pending due to unknown reasons	`unknown`	The recovery is pending due to unknown reasons

Adjustments Values

Values you can expect when interfacing with the /adjustments endpoint, specifically for the pending case.

`reason_code`	`reason_message`	`detail_code`	`detail_message`
`BALANCE_TRANSFER`	Balance transfer between accounts.	`balance_transfer`	Balance transfer between two accounts owned by the same partner/merchant.
`CHARGEBACK`	Chargeback Adjustment.	`other`	Chargeback Adjustment (full amount).
		`partial_chargeback_reversals`	Chargeback Adjustment (partial amount).
		`chargeback_fee_reimbursements`	Reimbursement of Chargeback Fee.
`ESCHEATMENT`	Adjustment due to abandoned funds.	`lien_or_levy`	Court order requirement to withhold/collect funds owed.
		`escheatment`	Abandoned funds escheated to state of account-holder.
`REIMBURSEMENTS_AND_CORRECTIONS`	Adjustment for reimbursement or corrections.	`correction_to_fee_schedules`	Correction to Fee Schedule.
		`processing_fee_reimbursements`	Reimbursement of Processing Fee.
		`revshare_disbursements`	Revenue Share Disbursement.
		`inadvertent_refunds`	Refund erroneously made due to WePay Error.
		`bank_overdraft_fee`	Reimbursement of Bank Overdraft Fee.
		`negative_account_balance_recovery`	WePay Recovery of Negative Account Balance.
		`negative_account_balance_to_zero`	Negative Account Balance Brought to Zero.
		`system_issues`	WePay Bug or System Flaws.
`FEES`	Adjustment for fees.	`billing_statement_fees`	Fees associated with a billing statement.
`MISCELLANEOUS`	Adjustment due to miscellaneous reasons.	`miscellaneous`	Other Adjustment.

Disputes Values

Values you can expect when interfacing with the /disputes endpoint. We surface the card level error codes we receive. We group card level errors as detail_code, and apply a higher level grouping under reason_code. We return these in the response field reason. Find dispute reason codes according to the card network.

Visa

`reason_code`	`reason_message`	`detail_code`	`detail_message`
`FRAUD`	The payer identified the transaction as fraudulent.	10.1	EMV Liability Shift Counterfeit Fraud
		10.2	EMV Liability Shift Non-Counterfeit Fraud
		10.3	Other Fraud-Card Present Enviroment
		10.4	Other Fraud-Card Absent Enviroment
		10.5	Visa Fraud Monitoring Program
`RECOGNITION`	The payer did not recognize the transaction	11.1	Card Recovery Bulletin
		11.2	Declined Authorization
		11.3	No Authorization
`PROCESSING_ERROR`	The payment processor reported an error processing this transaction	12.1	Late Presentment
		12.2	Incorrect Transaction Code
		12.3	Incorrect Currency
		12.4	Incorrect Account Number
		12.5	Incorrect Amount
		12.6	Duplicate Processing/ Paid by Other Means
		12.6.1	Duplicate Processing
		12.6.2	Paid by Other Means
		12.7	Invalid Data
		13.8	Original Credit Transaction Not Accepted
`SERVICES_NOT_PROVIDED`	The payer claims the service was not provided	13.1	Merchandise/Services Not Received
		13.2	Cancelled Recurring
		13.6	Credit Not Processed
		13.7	Canceled Merchandise/Services
		13.9	Non-Receipt of Cash or Load Transaction Value
`NOT_AS_DESCRIBED`	The payer claims the item was not as described	13.3	Not as Described or Defective Merchandise/Services
		13.4	Counterfeit Merchandise
		13.5	Misrepresentation

Mastercard

`reason_code`	`reason_message`	`detail_code`	`detail_message`
`FRAUD`	The payer identified the transaction as fraudulent	4837	No cardholder authorization
		4840	Fraudulent processing of transactions
		4847	Requested/required authorization not obtained and fraudulent transaction
		4849	Questionable merchant activity
		4862	Counterfeit transaction magnetic stripe POS fraud
		4863	Cardholder does not recognize-potential fraud
		4870	Chip liability shift
		4871	Chip/PIN liability shift
`RECOGNITION`	The payer did not recognize the transaction	6321	Cardholder does not recognize transaction
`PROCESSING_ERROR`	The payment processor reported an error processing this transaction	4835	Card not valid or expired
		4807	Warning bulletin file
		4808	Requested/required authorization not obtained
		4812	Account number not on file
		4831	Transaction amount differs
		4834	Duplicate processing
		4842	Late presentment
		4846	Correct transaction currency code not provided
		4850	Credit posted as a purchase
		4860	Credit not processed
`SERVICES_NOT_PROVIDED`	The payer claims the service was not provided	4841	Cancelled recurring transaction
		4855	Goods or services not provided
		4859	Addendum, no-show, or ATM dispute
		6305	Cardholder does not agree with billed amount
`NOT_AS_DESCRIBED`	The payer claims the item was not as described	4853	Cardholder dispute-defective/not as described
		4854	Cardholder dispute-not elsewhere classified (U.S. region only)

AmEx

`reason_code`	`reason_message`	`detail_code`	`detail_message`
`FRAUD`	The payer identified the transaction as fraudulent	F10	Missing Imprint
		F14	Missing Signature
		F22	Expired or Not Yet Valid Card
		F29	Card Not Present
		FR2	Fraud Full Recourse Program
		FR4	Immediate Chargeback Program
		FR6	Partial Immediate Chargeback Program
`RECOGNITION`	The payer did not recognize the transaction	F25	Unauthorized charge
		F24	No Card Member Authorization
`PROCESSING_ERROR`	The payment processor reported an error processing this transaction	P01	Unassigned Card Number
		P03	Credit Processed as Charge
		P04	Charge Processed as Credit
		P05	Incorrect Transaction Amount
		P07	Late Presentment
		P08	Duplicate Charge
		P22	Nonmatching Card Number
		P23	Currency Discrepancy
`SERVICES_NOT_PROVIDED`	The payer claims the service was not provided	C05	Goods/Services Cancelled
		C28	Cancelled Recurring Billing
		C08	Goods/Services Not Received
`NOT_AS_DESCRIBED`	The payer claims the item was not as described	C04	Goods/Services Returned or Refused
		C31	Goods/Services Not as Described
		C32	Goods/Services Damaged or Defective

Discover, JCB, Diners

`reason_code`	`reason_message`	`detail_code`	`detail_message`
`FRAUD`	The payer identified the transaction as fraudulent	7010	Fraud - Card Present Transaction
		7030	Fraud - Card Not Present Transaction
`RECOGNITION`	The payer did not recognize the transaction	4752	Declined Authorization
		4754	No Authorization
`PROCESSING_ERROR`	The payment processor reported an error processing this transaction	4753	Invalid Card Number
		4534	Duplicate Processing
		4542	Late Presentation
		4550	Credit Posted as Card Sale
		4586	Altered Amount Dispute
`SERVICES_NOT_PROVIDED`	The payer claims the service was not provided	4755	Non-receipts of Goods or Services
		4541	Automatic Payment Dispute
`NOT_AS_DESCRIBED`	The payer claims the item was not as described	4553	Quality of Goods or Services Dispute
`INQUIRY`	A chargeback inquiry was opened	unknown	A chargeback inquiry was opened against the transaction
`UNKNOWN`	A chargeback was opened with unknown reason	unknown	A chargeback was posted against the transaction for unspecified reason

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