Error Dictionary

When a card payment is declined, the card processing platform returns an error code and a short message. This page lists the codes observed in production, explains what each one means, and gives the action we recommend for your customer.

Note: The message in the Message returned column is passed through exactly as the processing platform sends it, in English. The list below is built from refusals observed in production — the platform may return other codes that are not listed here. If you hit one, contact support with the order reference.

Error codes

Use your browser’s find (Ctrl / Cmd + F) to jump to a code.

Code	Message returned (verbatim)	What it means	Recommended action
`-2019`	`Decline by iReq in PARes`	3-D Secure authentication was refused by the issuing bank during verification.	Offer the customer a new payment attempt, or another card.
`-2018`	`Declined. DS connection timeout`	Timeout while connecting to the 3-D Secure authentication service.	Temporary incident. Ask the customer to try again in a few minutes.
`-2013`	`Customer has no more payment attempts left on this order number`	The number of payment attempts allowed for this order has been used up.	Do not retry on the same order — create a new payment.
`-2007`	`Order expired after session time limit/Customer did not complete the authentication in timely manner`	The payment session expired before the customer completed authentication.	Create a new payment. Consider a longer session duration if this happens often.
`-2006`	`Issuer Rejected Authentication - card not authenticated/account not verified/transaction denied, ARES.STATUS = N [TDS_AUTH_FAILED]`	The issuing bank did not authenticate the cardholder.	Offer the customer a new payment attempt, or a card enrolled in 3-D Secure.
`76`	`Rejected Authorization - Issuer bank is not able to process the transaction Cannot process transaction]`	The issuing bank is unable to process the transaction.	Temporary incident on the bank side. Ask the customer to try again later.
`100`	`Rejected Authorization - Card Limit Exceed [Limit exceeded]`	The card limit has been reached.	Tell the customer their card limit is reached and offer another card.
`103`	`Contact issuer.`	The issuing bank is asking the cardholder to contact it.	Ask the customer to contact their bank before retrying.
`106`	`PIN attempts exceeded. Card is blocked.`	Too many incorrect PIN entries: the card is blocked.	Tell the customer their card is blocked and offer another card.
`110`	`Rejected Authorization - Invalid amount [Invalid amount]`	The amount sent is not valid.	Check the amount format and the currency unit. Contact Flouci support if the problem persists.
`111`	`Decline. Wrong PAN`	The card number sent is incorrect.	Ask the customer to check their card number.
`116`	`Rejected Authorization - Low Balance [116: Not enough money]`	The card balance is insufficient.	Tell the customer the balance is too low and offer another card.
`117`	`processing.error.117`	A processing error returned by the gateway, with no detailed description.	Report the case to Flouci support with the order reference.
`119`	`Security violation`	The request was rejected for security reasons.	Report the case to Flouci support with the order reference.
`120`	`Rejected Authorization - restricted transaction [Transaction was refused]`	The transaction is refused: this operation is not allowed on this card.	Tell the customer the payment was refused and offer another card.
`121`	`Rejected Authorization - Limit Exceed [Limit exceeded]`	The authorized limit was exceeded.	Tell the customer their card limit is reached and offer another card.
`125`	`Rejected Authorization - Invalid card number [Invalid card number]`	The card number is not valid.	Ask the customer to check their card number.
`903`	`Limit exceeded.`	The authorized limit was exceeded.	Tell the customer their card limit is reached and offer another card.
`904`	`Invalid message format`	The request sent to the gateway is not correctly formed.	Check the parameters sent to the API. Contact Flouci support if the problem persists.
`910`	`Rejected Authorization - Issuer bank not available [Cannot contact bank]`	The issuing bank could not be reached.	Temporary incident. Ask the customer to try again in a few minutes.
`913`	`Invalid message format.`	The request sent to the gateway is not correctly formed.	Check the parameters sent to the API. Contact Flouci support if the problem persists.
`2003`	`Non-3DS is not allowed - SSL_FORBIDDEN`	A transaction without 3-D Secure authentication was submitted, and it is not allowed.	Contact Flouci support: the merchant account configuration needs to be checked.
`100700`	`Challenge was cancelled by the issuer. Authentication has not been sent to Stand-In`	The issuing bank cancelled the authentication step.	Offer the customer a new payment attempt, or another card.
`100801`	`Rejected Authorization - Response not received from SvFE [Timer time out]`	No response was received from the card network within the allotted time.	Check the final state of the order before retrying, to avoid a double debit.
`100827`	`Rejected Authorization [Do not honor transaction]`	The issuing bank refused the authorization without giving a reason.	Show a generic refusal message. Invite the customer to retry or use another card.
`151018`	`EPG Acquirer is not connected to SvFE [CANNOT_SEND_REQUEST]`	The card network is temporarily unreachable.	Temporary incident on the platform side. Ask the customer to try again later.
`151019`	`Payment failed. Cann't connect to Payment Gate.`	The connection to the payment gateway failed.	Temporary incident on the platform side. Ask the customer to try again later.
`341016`	`Issuer Rejected Authentication - card not authenticated, ARES.STATUS = R [3DS2 authentication is declined by Authentication Response (ARes)]`	The issuing bank refused the 3-D Secure authentication.	Offer the customer a new payment attempt, or another card.
`341017`	`Authentication status in ARes is unknown, ARES.STATUS = U`	The result of the 3-D Secure authentication is undetermined.	Temporary incident. Offer the customer a new payment attempt.
`341018`	`Issuer Rejected Authentication - Authentication cancelled by customer, RREQ/CRES.STATUS = N [3DS2 CReq cancelled]`	The customer cancelled the 3-D Secure authentication.	This is not a card refusal: simply offer to restart the payment.
`341019`	`Issuer Rejected Authentication - CREQ/CRES has error [3DS2 CReq failed]`	An error occurred during the 3-D Secure authentication exchange.	Temporary incident. Offer the customer a new payment attempt.
`341020`	`Issuer Rejected Authentication - RREQ.STATUS = U or R [3DS2 unknown status in RReq]`	The 3-D Secure authentication result is unknown or rejected.	Temporary incident. Offer the customer a new payment attempt.
`341022`	`Issuer Rejected Authentication - TimeOut ACS bcz customer did not provide OTP with in 10 minutes`	The customer did not enter their verification code (OTP) within the 10-minute window.	This is not a card refusal: simply offer to restart the payment.
`341023`	`Issuer Rejected Authentication - TimeOut ACS bcz OTP page is not opened to customer with in 30 Secs`	The verification code (OTP) page did not open within the allotted time.	This is not a card refusal: simply offer to restart the payment.
`341024`	`Issuer Rejected Authentication - Exceed OTP attempts`	The customer exceeded the number of allowed verification code (OTP) entries.	This is not a card refusal: simply offer to restart the payment.
`341025`	`Issuer Rejected Authentication - CAVV is not generated by issuer, RREQ.STATUS = N`	The issuing bank did not generate the 3-D Secure authentication certificate.	Offer the customer a new payment attempt, or another card.
`342034`	`Operation cancelled by user`	The customer cancelled the operation.	This is not a card refusal: simply offer to restart the payment.

Handling patterns

Most of the codes above fall into one of the following patterns. If you only implement one behaviour per pattern, implement these.

An ordinary decline — offer another card

-2019, -2006, 100, 103, 106, 110, 111, 116, 120, 121, 125, 903, 100700, 100827, 341016 and 341025 are refusals of that specific card: insufficient balance, limit reached, blocked card, wrong number, or an issuer refusal. Show the refusal and invite the customer to pay with a different card. Do not reveal why the issuer refused beyond what the table suggests.

Never retry on the same order

-2013 and -2007 mean the order itself is finished — the attempt budget is spent, or the session expired. Retrying the same payment_id will keep failing. Create a new payment instead.

Verify before retrying, to avoid a double debit

100801 means the card network never answered within the timeout, so the outcome is genuinely unknown — the customer may have been debited. Always check the final state of the order with Verify Payment before offering a retry.

Temporary — a retry is likely to succeed

-2018, 76, 910, 151018, 151019, 341017, 341019, 341020 are timeouts or unreachable-service errors on the bank or platform side. Show a “please try again shortly” message rather than a refusal.

Not a refusal — the customer simply stopped

341018, 341022, 341023, 341024, 342034 mean the customer cancelled or let the 3-D Secure step time out. The card is fine. Offer to restart the payment without suggesting anything is wrong with their card.

Recurring payments error codes

The Recurring Payments endpoints report refusals with the HTTP status below and a code: in result.error on Create, in message on the other endpoints. A field that fails validation on Create is returned as {"<field>": ["<reason>"]} without a code. These are API-level refusals, not card declines.

HTTP	`message`	Endpoint	What it means	Recommended action
`400`	field `currency`	Create	`currency` is not `TND`.	Send `TND` — subscriptions are TND only.
`400`	field `destination`	Create	A split-payment `destination` was attached to a subscription.	Remove `destination`.
`400`	field `interval_count`	Create	`interval` × `interval_count` exceeds one year (366 days · 52 weeks · 12 months · 1 year).	Shorten the cycle.
`400`	`card_recurring_not_enabled`	Create	`accept_card: true` while card recurring is not enabled on your affiliation.	Create a wallet subscription (omit `accept_card`) or contact your Flouci contact.
`400`	`card_recurring_not_implemented`	Create	Card recurring is enabled for you but not yet live.	Create a wallet subscription for now.
`400`	`invalid_subscription_id`	Get, Charges, Cancel	The `subscription_id` in the path is malformed.	Use the value returned by Create Subscription.
`403`	`merchant_not_allowed`	Create, List	Your merchant account does not have developer API access.	Contact support.
`403`	`merchant_wallet_inactive`	Create	Your merchant wallet is inactive.	Contact support.
`403`	`affiliation_inactive`	Create	Your card affiliation is inactive.	Contact support.
`404`	`subscription_not_found`	Get, Charges, Cancel	No subscription with this id belongs to your merchant.	Check the id. Another merchant’s id is never disclosed.
`409`	`duplicate_developer_tracking_id`	Create	A subscription with this `developer_tracking_id` already exists; its ids are in the body.	Treat as success and use the returned `subscription_id` and `link`.
`409`	`subscription_terminal`	Cancel	The subscription is already `canceled` or `incomplete_expired`.	Nothing to do.
`409`	`subscription_not_active`	Cancel	`at_period_end: true` on a subscription that is not `active` or `past_due`.	Cancel immediately instead.
`429`	—	Create	More than 60 creations per minute for this app.	Back off and retry.
`503`	`recurring_payments_disabled`	Create	Recurring payments are temporarily paused platform-wide.	Retry later; existing subscriptions are deferred, not failed.

Two refusals happen on the customer’s side, in the Flouci app, and never reach your API: consent_required (the app did not present the current consent text) and subscription_not_payable (the first charge is no longer payable, for example after you canceled). Both leave the subscription untouched.

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Error codes

Handling patterns

Recurring payments error codes

​Error codes

​Handling patterns

​Recurring payments error codes

Error codes

Handling patterns

Recurring payments error codes