| money error | amount_under_limit | 202 | not_authorised | y | Payment amount is less than minimum amount allowed. Customer to retry with higher amount. |
| data error | external_verification_error | 211 | not_validated | y | Authentication failed. Customer to retry with correct authentication details. |
| data error | external_verification_error | 211 | not_validated | y | PSP declined authorisation. Check and retry customer's VPA or customer to retry with a different UPI. |
| data error | external_verification_error | 211 | not_validated | y | Bank account is invalid. Customer to retry with a valid bank account or payment method. |
| data error | external_verification_error | 211 | not_validated | y | Validation of bank account failed. Customer to check bank account details and retry. |
| connector error | external_system_error | 203 | not_validated | n | Bank is unable to process payments at this time. Customer to retry later or use a different payment method. |
| connector error | external_system_error | 203 | not_validated | n | Bank is not available at this time. Customer to retry later or use a different payment method. |
| connector error | external_system_error | 203 | not_validated | n | Selected bank is not enabled. Merchant to contact PSP and request to enable bank. |
| connector error | external_system_error | 203 | not_validated | y | Bank is currently experiencing technical problems. Customer to use a different bank or payment method. |
| data error | external_verification_error | 211 | not_validated | n | Beneficiary account does not exist. Merchant to contact PSP. |
| data error | external_verification_error | 211 | not_validated | n | Beneficiary account dormant. Merchant to contact PSP. |
| connector error | external_system_error | 203 | not_completed | y | Charge API failed to capture payment. Customer to retry submitting the payment. |
| money error | declined_or_refused | 202 | not_authorised | n | Bank declined payment authorisation. Customer to contact bank for information. |
| money error | declined_or_refused | 202 | not_authorised | y | Customer used expired card. Customer to retry with a different card or payment method. |
| connector error | external_system_error | 203 | not_validated | n | Card network for the payment is not enabled. Merchant to contact PSP and request to enable bank. |
| data error | external_verification_error | 211 | not_validated | y | The card used is not enrolled. Customer to enrol card with issuer or to retry with a different card or payment method. |
| data error | external_verification_error | 211 | not_validated | y | Card number is invalid. Customer to enter correct card number. |
| data error | external_verification_error | 211 | not_validated | y | Card type is invalid or unsupported. Customer to use correct or supported card type for the order. |
| data error | external_verification_error | 211 | not_authorised | y | UPI Collect flow blocked for Merchant. Customer to retry using UPI Intent flow. |
| data error | external_verification_error | 211 | not_authorised | n | UPI Collect request pending customer's approval. Merchant to request customer's approval. |
| money error | risk_or_fraud_warning | 202 | not_authorised | n | Bank failed risk check. If source is "customer", customer to contact bank for information. If source is "business", Merchant to contact PSP for information. |
| money error | amount_over_limit | 202 | not_authorised | y | Customer has exceeded allowed credit limit for cardless EMI payments. Customer to retry with a different payment method. |
| money error | declined_or_refused | 202 | not_authorised | y | Credit limit on cardless EMI payments has expired for customer. Customer to retry with a different payment method. |
| money error | declined_or_refused | 202 | not_authorised | y | Credit limit on cardless EMI payments is inactive. Customer to activate credit limit or retry with a different payment method. |
| money error | declined_or_refused | 202 | not_authorised | y | Credit limit on cardless EMI payments is not approved for customer. Customer to retry with a different payment method. |
| money error | declined_or_refused | 202 | not_authorised | n | Bank does not permit credit to the Merchant. Customer to check account details and retry. |
| money error | declined_or_refused | 202 | not_authorised | n | Bank does not permit credit to the Merchant. Customer to check account details and retry. |
| money error | declined_or_refused | 202 | not_authorised | n | Bank declined debit request. Customer to contact bank for information. |
| data error | external_verification_error | 211 | not_validated | n | UPI transaction deemed success or approved. Merchant to check status after some time (T+2 business days). |
| data error | external_verification_error | 211 | not_validated | y | The card used is blocked. Customer to retry with a different card or payment method. |
| data error | external_verification_error | 211 | not_validated | y | The card used is inactive. Customer to retry with a different card or payment method. |
| data error | external_verification_error | 211 | not_validated | y | A refund with the same Refund ID already initiated. Merchant to check Refund ID and retry. |
| data error | external_verification_error | 211 | not_validated | n | A payment request with identical parameters already received or processed. Merchant to check parameters and retry. |
| data error | external_verification_error | 211 | not_validated | y | A payment request with the same RRN exists. Customer to retry. |
| money error | declined_or_refused | 202 | not_authorised | y | Amount exceeded EMI maximum allowed. Customer to retry with a different EMI plan or payment method. |
| data error | external_verification_error | 211 | not_validated | y | Selected EMI plan no longer supported by provider. Customer to retry with a different EMI plan or payment method. |
| money error | declined_or_refused | 202 | not_authorised | y | Funds blocked by UPI one-time mandate. Customer to release mandate or increase funds. |
| connector error | external_system_error | 203 | not_authorised | y | PSP is experiencing technical problems. Customer to retry with different payment method or retry later. |
| data error | external_verification_error | 211 | not_validated | y | ATM PIN incorrect. Customer to retry UPI registration with correct ATM PIN. |
| data error | external_verification_error | 211 | not_validated | y | Card details incorrect. Customer to retry with correct card details. |
| data error | external_verification_error | 211 | not_validated | y | Card expiry date invalid. Customer to retry with correct expiry date as printed on card. |
| data error | external_verification_error | 211 | not_validated | y | Cardholder's name incorrect. Customer to retry with correct name as printed on card. |
| data error | external_verification_error | 211 | not_validated | y | Card CVV incorrect. Customer to retry with correct CVV as printed on card. |
| data error | external_verification_error | 211 | not_validated | y | OTP incorrect. Customer to retry with correct OTP issued. |
| data error | external_verification_error | 211 | not_validated | y | PIN incorrect. Customer to retry with correct PIN. |
| request error | format_error | 400 | Charge response not returned, charge status not available | y | Bad request. Merchant to check error response to rectify errors and retry. |
| money error | declined_or_refused | 202 | not_authorised | y | Insufficient funds. Customer to retry with a different card or payment method. |
| data error | external_verification_error | 211 | not_validated | n | International transactions not allowed. Merchant to contact PSP to enable. |
| data error | external_verification_error | 211 | not_validated | y | Payment amount invalid or currency not supported. Merchant to rectify payment request. |
| data error | external_verification_error | 211 | not_validated | y | Currency not supported or enabled. Merchant to contact PSP to enable or obtain information on supported currencies. |
| data error | external_verification_error | 211 | not_validated | y | Mobile device not registered for UPI payment. Customer to complete device binding and retry payment. |
| data error | external_verification_error | 211 | not_validated | y | Email invalid. Customer to retry with correct email. |
| data error | external_verification_error | 211 | not_validated | y | Mobile number invalid. Customer to retry with correct mobile number. |
| data error | external_verification_error | 211 | not_validated | y | Order ID invalid. Merchant to retry payment request with correct order id. |
| system error | N/A | 500 | Charge response not returned, charge status not available | n | Bad response received from gateway. DataMesh to contact PSP to resolve. |
| request error | format_error | 400 | Charge response not returned, charge status not available | y | Bad request. Merchant to check error response to rectify errors and retry. |
| data error | external_verification_error | 211 | not_validated | y | Customer record not found. Customer to retry with valid credentials. |
| data error | external_verification_error | 211 | not_validated | y | VPA invalid. Customer to retry with valid VPA or a different payment method. |
| connector error | external_system_error | 203 | not_authorised | y | Issuing bank is experiencing technical problems. Customer to retry with a different payment method or retry after some time. |
| connector error | external_system_error | 203 | not_authorised | y | UPI provider is experiecing technical problems. Customer to retry with a different payment method or retry after some time. |
| connector error | connection_error | 203 | not_authorised | n | Live mode not enabled. Merchant to request live mode key. |
| data error | external_verification_error | 211 | not_validated | n | Merchant not activated with PSP gateway. Merchant to contact PSP to activate. |
| data error | external_verification_error | 211 | not_validated | n | Transaction details incorrect. Merchant to rectify and retry. |
| data error | external_verification_error | 211 | not_validated | n | Mobile number invalid or not registered for UPI payments. Customer to contact bank to link mobile number to UPI account. |
| data error | external_verification_error | 211 | not_validated | n | Order already paid. Merchant to check order status before requesting payment. |
| data error | external_verification_error | 211 | not_validated | y | Payment method mismatch with order. Merchant to exclude payment method in order request. |
| data error | external_verification_error | 211 | not_validated | y | Amount mismatch with order. Merchant to rectify and retry. |
| data error | external_verification_error | 211 | not_validated | y | OTP retries exceed limit. Customer to retry with a different card or payment method. |
| data error | expired | 211 | not_validated | y | OTP entered has expired. Customer to request new OTP and retry. |
| data error | external_verification_error | 211 | not_validated | y | Payment amount tampered. Merchant to retry payment request with correct amount. |
| data error | external_verification_error | 211 | not_validated | y | Authentication failed due to payment cancelled by customer. Merchant to confirm with customer to retry. |
| money error | declined_or_refused | 202 | not_authorised | n | Bank declined payment authorisation. Customer to contact bank for information. |
| connector error | external_system_error | 203 | not_authorised | y | Bank declined due to high load. Customer to retry. |
| connector error | external_system_error | 203 | not_authorised | y | Payment failed due to error at bank or wallet gateway. Customer to retry with a different payment method. |
| connector error | connection_error | 203 | not_authorised | n | The selected payment method not enabled. Merchant to contact PSP to enable. |
| connector error | connection_error | 203 | not_authorised | n | UPI payment method not enabled. Merchant to contact PSP to enable. |
| connector error | communications_failure | 203 | not_authorised | y | Payment is pending authorisation. Customer to wait for some time then retry the payment. |
| money error | risk_or_fraud_warning | 202 | not_authorised | y | Card failed risk check. Customer to retry with a different card or payment method. |
| connector error | external_system_error | 203 | not_validated | y | Payment session timed out. Customer to retry and complete payment within time allowed. |
| connector error | external_system_error | 203 | not_validated | y | Payment timed out. Customer to retry and complete payment within time allowed. |
| data error | external_verification_error | 211 | not_authorised | y | Customer exceeded max PIN retries on card. Customer to retry with a different card or payment method. |
| data error | external_verification_error | 211 | not_authorised | y | PIN not set in UPI account. Customer to set PIN on UPI account then retry payment. |
| connector error | connection_error | 203 | not_authorised | y | UPI app currently unavailable. Customer to retry with a different UPI. |
| connector error | external_system_error | 203 | not_authorised | y | UPI app not supported. Customer to retry with a different UPI. |
| connector error | connection_error | 203 | not_authorised | y | PSP currently unavailable. Customer to retry with a different PSP. |
| connector error | external_system_error | 203 | not_authorised | y | PSP not registered on customer's device. Customer to retry with a different PSP. |
| connector error | external_system_error | 203 | not_validated | n | Payment record not found. Merchant to retry status check request. |
| connector error | external_system_error | 203 | not_authorised | n | Recurring payments not enabled. Merchant to contact PSP to enable recurring payments. |
| money error | declined_or_refused | 202 | not_authorised | y | Refund amount exceeded limit. Merchant to check refund amount and retry. |
| connector error | communications_failure | 203 | not_validated | y | Payment request timed out. Merchant to resend payment request. |
| connector error | external_system_error | 203 | not_validated | y | PSP is experiencing server problems. Merchant to retry later or contact PSP. |
| money error | declined_or_refused | 202 | not_authorised | y | Transaction count exceeded daily limit on card. Customer to retry with a different card or payment method else retry same card after 24hours. |
| money error | declined_or_refused | 202 | not_authorised | y | Order amount exceeded daily limit on card. Customer to retry with a different card or payment method else retry same card after 24hours. |
| money error | declined_or_refused | 202 | not_authorised | y | Order amount exceeded card limit. Customer to retry with a different card or payment method. |
| money error | declined_or_refused | 202 | not_authorised | y | Daily limits on amount and transaction count for UPI payments exceeded. Customer to retry with a different payment method. |
| data error | external_verification_error | 211 | not_authorised | y | PSP has restricted transactions on customer's UPI VPA. Customer to retry with a different UPI or payment method. |
| connector error | external_system_error | 203 | not_authorised | y | UPI app is experiencing technical problems. Customer to retry later or use a different UPI or payment method. |
| connector error | external_system_error | 203 | not_authorised | n | UPI Autopay not supported. Customer to retry with a different UPI or payment method. |
| connector error | external_system_error | 203 | not_authorised | n | Collect flow for UPI payments is not enabled. PSP to enable intent flow for UPI. |
| connector error | external_system_error | 203 | not_authorised | n | Intent flow for UPI payments is not enabled. PSP to enable intent flow for UPI. |
| data error | external_verification_error | 211 | not_authorised | y | Customer not eligible for cardless EMI payments. Customer to retry with a different payment method. |
| data error | external_verification_error | 211 | not_authorised | n | Customer not registered for netbanking. Customer to register for netbanking and retry with a different bank account or payment method. |
| connector error | external_system_error | 203 | not_authorised | y | UPI network failed to validate customer's VPA. Customer to retry with a different bank account or payment method. |
| connector error | communications_failure | 203 | not_authorised | y | Payment status check failed. Merchant to retry. |