Payments can fail for a number of reasons. The most common causes of failed or declined payments are listed below.
For debit and credit card transactions:
1. Invalid card details
Kindly ensure that the details provided for the card are accurate.
2. Bank declines
Unfortunately, issuing banks have their own criteria for their acceptance of online payments which are also known to affect other payment providers. It is encouraged that your customers call their respective banks to allow the transactions to push through.
3. Failure to authenticate
For 3D secure authenticated cards, it may be required for your customers to input an OTP sent to them via SMS by their respective banks. Failure to do so will not allow the transaction to be authorized thus failing the payment.
4. Blocked by PayMongo's fraud and risk engine
To protect our merchants from fraud and high-risk transactions, PayMongo has implemented a fraud and risk engine to detect fraudulent transactions.
For a complete list of error codes, you can head on over to our developer documentation by clicking on the button below 👇
For e-wallet transactions:
1. Invalid credentials or PIN
To pay using e-wallets such as GCash, GrabPay, or PayMaya, your customer is required to input their account details and pin. If the transaction fails at this stage, it won't get recorded on your list of payments since no funds were authorized to begin with.
🚨 For failed transactions that were still deducted from their account, they should get their balance back automatically from their bank as it never reached our end. 🚨