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When a transaction is declined, the Cortina API returns a specific decline reason code that explains why the payment was not approved. These codes are essential for integrators and merchants to understand the cause of the decline and take appropriate action. The third-party integrator is responsible for returning the response, including the corresponding decline code from the list, based on the payment method used. In addition to the standard decline reason codes, integrators can provide additional information through StatusMessage and CustomDeclineCode to offer more context about the issue. The following decline reason codes are used when processing Prepaid Card transactions:
CodeDescription
1Insufficient funds
2Transaction ID unknown
3Cardholder exceeded daily / weekly / monthly transaction count limit
4Cardholder exceeded transaction amount limit
5Suspected fraud
6General system failure
7Invalid amount
8Request cannot be parsed (format error)
9Transaction not allowed to cardholder
40For Nayax internal use only
990CertificateFileName not found
991Failed to decipher message body
992Timeout exception
994Card Brand not supported
996Transaction ID Unknown / Duplicate Transaction ID (Start Session Error)
997Missing mandatory parameters
998Validation / request cannot be parsed
999General exception
1010Public Key Certificate not found
1011Method not Implemented