Guides

Payment Transaction Outcome

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Below are the outcomes that you will receive for payment transaction.


  • ACCEPTED: Transaction accepted by platform for further processing
  • REFUSED_CARD_PREFERENCE: Transaction declined due to any of card preference config not match. please refer card preference doc for more details.
  • REFUSED_FRAUD: Transaction declined because it flagged as potentially fraudulent by our fraud detection system
  • REFUSED_MAX_BALANCE_EXCEEDED: Transaction declined as it would exceed the account's maximum balance MAX_BALANCE limit.
  • REFUSED_NOT_ENOUGH_FUNDS: Transaction declined as it would exceed the account's maximum balance MIN_BALANCE limit.
  • INTERNAL_ERROR: Transaction failed due to a system internal error within the payment processing service.
  • REFUSED_ANNUAL_SPENDING_LIMIT_BREACHED: Transaction declined because the account's annual spending limit has been exceeded.
  • REFUSED_DAILY_ATM_WITHDRAWAL_LIMIT_BREACHED: Transaction declined as the daily ATM withdrawal ATM_WITHDRAWAL_PER_DAY limit has been exceeded.
  • REFUSED_DAILY_TOP_UP_LIMIT_BREACHED: Transaction declined because the daily top-up limit for the account has been exceeded.
  • REFUSED_ACCOUNT_BLOCKED: Transaction declined as the account is currently blocked.
  • REFUSED_ACCOUNT_CLOSED: Transaction declined because the account has been closed.
  • REFUSED_RECIPIENT_ACCOUNT_BLOCKED: Transaction declined as the recipient's account is blocked. This occurs when transferring funds between Shaype accounts.
  • REFUSED_RECIPIENT_ACCOUNT_CLOSED: Transaction declined because the recipient's account is closed. This occurs when transferring funds between Shaype accounts.
  • REFUSED_DAILY_DIRECT_DEBIT_LIMIT_BREACHED: Transaction declined as the daily direct debit DIRECT_DEBIT_PER_DAY limit has been exceeded.
  • REFUSED_DAILY_TRANSFERS_OUT_LIMIT_BREACHED: Transaction declined because the daily limit for outgoing transfers has been exceeded.
  • REFUSED_RULES: Transaction declined due to a violation of predefined account rules. For more information please refer Account Rules.
  • REFUSED_TOTAL_INBOUND_DIRECT_DEBIT_DAILY_LIMIT_BREACHED: Transaction declined as the total daily limit for inbound direct debits has been exceeded.
  • REFUSED_TOTAL_OUTBOUND_BPAY_DAILY_LIMIT_BREACHED: Transaction declined because the total daily BPAY_DAILY_LIMIT limit for outbound BPAY transactions has been exceeded.
  • REFUSED_TOTAL_NET_VISA_DAILY_LIMIT_BREACHED: Transaction declined as client scheme transactions are currently blocked.
  • REFUSED_TOTAL_NON_SCHEME_DAILY_LIMIT_BREACHED: Transaction declined because the total daily limit for non-scheme transactions has been exceeded.
  • REFUSED_BPAY_INVALID_BILLER_CODE: Transaction declined due to an invalid BPAY biller code provided.
  • REFUSED_BPAY_INVALID_REFERENCE: Transaction declined due to an invalid BPAY reference number.
  • REFUSED_BPAY_INVALID_PAYMENT: Transaction declined because the BPAY payment details are incorrect or invalid.
  • REFUSED_BPAY_REJECTED: Transaction declined because the BPAY payment was rejected by the payment gateway.
  • REFUSED_DAILY_CARD_TRANSACTIONS_LIMIT_BREACHED: Transaction declined because the total daily CARD_PAYMENTS_DAILY limit for card transactions has been exceeded.
  • REFUSED_SINGLE_CARD_TRANSACTION_LIMIT_BREACHED: Transaction declined as the amount exceeds the single transaction SINGLE_CARD_TRANSACTION limit for the card.
  • REFUSED_SANCTIONS: The platform internally performs a sanctions check for international payments. If sanctions check failed for a transaction, it will result in this outcome.
  • REFUSED_UNABLE_TO_VALIDATE: The transaction will be declined if the platform is unable to perform a sanctions check for an international payment.
  • REFUSED_INSUFFICIENT_DATA: Transaction declined due to missing or incomplete information required to process the request.

The following outcomes are not currently in use:

  • REFUSED_ACCOUNT_PREFERENCE
  • REFUSED_DAILY_LIMIT_EXCEEDED
  • REFUSED_AML
  • REFUSED_ACCOUNT_NOT_FOUND_FOR_CARD_TOKEN
  • REFUSED_UNDETERMINED_BALANCE_FOR_ACCOUNT
  • REFUSED_ACCOUNT_NOT_FOUND_FOR_CURRENCY
  • REFUSED_UNDETERMINED_SPENDING_FOR_ACCOUNT
  • REFUSED_UNDETERMINED_TOP_UPS_FOR_ACCOUNT
  • REFUSED_UNDETERMINED_ATM_WITHDRAWALS_FOR_ACCOUNT

Updated 19 days ago