Errors when paying by card in online services

[chushpan]

Errors when paying with a card in online services (for example, Google Pay, Apple Pay or banking applications) can occur for various reasons. These errors are often related to technical problems, security settings, bank restrictions or incorrect data. Let's look at the main reasons and how to fix them.

1. Common mistakes and their causes​

a) Authentication error​

• Example: "3D Secure Error", "Additional verification required".
• Reasons:
  • The bank requires confirmation of the transaction via SMS or app.
  • Two-factor authentication is not configured correctly.
  • Problems with the internet connection preventing the code from being received.
• Solution:
  • Check your phone for an SMS with a code.
  • Make sure you are logged into your bank's mobile app to receive push notifications.
  • Please try the transaction again via a stable internet connection.

b) Insufficient funds​

• Example: "Insufficient funds in the account."
• Reasons:
  • There is not enough money on the card to make the purchase.
  • The bank has blocked part of the funds (for example, on a credit card).
• Solution:
  • Check your card balance.
  • If you use a credit card, make sure you have not reached your limit.

c) The card does not support online payments.​

• Example: "Transaction declined".
• Reasons:
  • The card is not activated for online payments.
  • The bank has restricted the use of the card for international transactions.
• Solution:
  • Contact your bank and request activation of online payments.
  • Check if international transactions are allowed.

d) Limit exceeded​

• Example: "Transaction limit exceeded."
• Reasons:
  • The bank has set a daily or monthly limit on online payments.
  • The transaction amount exceeds the allowed limit.
• Solution:
  • Check with your bank for limits.
  • If necessary, increase the limit through the bank.

e) Technical problems of the platform​

• Example: "Error processing payment", "Server unavailable".
• Reasons:
  • Temporary service outages (e.g. Google Pay, Apple Pay).
  • Problems with bank servers.
• Solution:
  • Please try the transaction again in a few minutes.
  • Check the service status on the official websites.

f) Incorrect card details​

• Example: "Incorrect card number", "Incorrect CVV/CVC".
• Reasons:
  • Error entering card details.
  • The card has expired.
• Solution:
  • Please check that the entered data is correct.
  • Update your card information if it has expired.

g) Suspicious activity​

• Example: "Transaction blocked".
• Reasons:
  • The bank considers the transaction suspicious (for example, due to an unusual location).
  • Using VPN or proxy.
• Solution:
  • Disable VPN or proxy.
  • Contact your bank to unblock the transaction.

h) Store Restrictions​

• Example: "Payment not supported".
• Reasons:
  • The store does not accept your card type (for example, Visa instead of Mastercard).
  • Problems with store settings.
• Solution:
  • Try using a different card.
  • Contact store support.

2. How to prevent mistakes?​

a) Check the map settings​

• Make sure the card is active and supports online payments.
• Set reasonable transaction limits.

b) Use a reliable internet connection​

• Avoid using unstable Wi-Fi networks or mobile internet.

c) Keep your data up to date​

• Update your card information regularly (e.g. expiration date, CVV).

d) Set up notifications​

• Turn on notifications from your bank to stay informed about all transactions.

e) Avoid suspicious actions​

• Do not use VPN or proxy when making payments.
• Do not attempt to make transactions from multiple devices at the same time.

3. What to do if the problem persists?​

a) Contact the bank​

• Please clarify the reason for blocking the transaction.
• Request a temporary waiver of restrictions.

b) Contact the platform support service​

• Please provide detailed information about the problem (e.g. error code, screenshots).
• Clarify what steps can be taken to resolve the issue.

4. Examples of error codes and their decoding​

Error code	Possible cause	Solution
OR_MIVEM_02	Problems with authentication or card details	Please check your card details and try again.
3D_SECURE_REQUIRED	Additional authentication required	Confirm the transaction via SMS or app
INSUFFICIENT_FUNDS	Insufficient funds in the account	Top up your account or use another card
CARD_NOT_SUPPORTED	The card does not support online payments.	Activate online payments via bank
TRANSACTION_LIMIT_EXCEEDED	Transaction limit exceeded	Increase your limit or split your payment

5. Conclusion​

Errors when paying with a card in online services can occur for various reasons, but most of them can be solved independently by following simple steps. If the problem persists, contact your bank or platform support service for help.

If you have a specific question or an example of an error, write - I will try to help!

 

[Man]

Main types of errors and their solutions​

1. Authentication errors (3D Secure)

• Examples: "3DS Authentication Failed", "Secure verification required"
• Solution:
  • Make sure 3D Secure is enabled in your card settings.
  • Check SMS/banking app to confirm payment
  • If the code does not arrive, request a resend

2. Problems with the card

• Examples: "Card declined", "Invalid card number"
• Actions:
  • Check the expiration date of the card
  • Make sure you entered the CVV/CVC code correctly
  • Confirm with the bank that the card is not blocked

3. Limits and restrictions

• Examples: "Transaction limit exceeded", "Amount too high"
• What to do:
  • Check daily/monthly limits in mobile banking
  • For large payments, notify the bank in advance

4. Geographic restrictions

• Examples: "Transaction not allowed in your region"
• Solution:
  • Enable international payments in your card settings
  • Use a VPN (if the service is not available in all countries)

5. Technical failures

• Examples: "Payment processor error", "Gateway timeout"
• Recommendations:
  • Please wait 15-30 minutes and try again.
  • Try another browser or device

Universal algorithm for solving problems​

1. Accurate error definition - write down/photograph the code and message
2. Checking the card:
   • Balance and limits
   • Status in mobile banking
   • Online payment restrictions
3. Test payment - try a small amount ($1)
4. Change payment method:
   • Another card
   • Alternative payment method (crypto, e-wallets)
5. Contacting support:
   • Bank (specify error code)
   • Service where payment takes place

Features of popular services​

Google Pay/Apple Pay:

• Make sure the card is added to the wallet correctly.
• Check the NFC settings on your device
• Update your wallet app

Banking applications:

• Reinstall the application
• Check the availability of bank services (technical work may occur)

International payments:

• Enable the "International online payments" option
• Check with your bank for currency conversion fees

For a specific error, please specify:

1. Exact message/code
2. The service where the problem occurs
3. What solutions have you already tried?

This will help give more accurate recommendations for your situation.

Here is a detailed analysis of error codes for online card payments, their possible causes and solutions:

Main categories of errors​

1. Authentication errors (4XX)​

• 3DS2_403 / SCA_REQUIRED
  Reason: 3D-Secure 2.0 verification required
  Solution: Check SMS/banking app for verification
• AUTH_004
  Reason: Address mismatch (billing vs delivery)
  Solution: Specify the same addresses or disable AVS verification

2. Problems with the card (5XX)​

• 51/INSUFFICIENT_FUNDS
  What to do: Check balance + take into account the blocked amount when booking
• 54/EXPIRED_CARD
  Important: The expiration date may be earlier (e.g. 05/24 = 31.05.2024)
• 41/LOST_CARD
  Actions: Immediately block the card via the bank application

3. Banking restrictions (6XX)​

• 61/EXCEEDS_WITHDRAWAL
  How to bypass: Split the payment or increase the limit in the bank application
• 65/ACTIVITY_LIMIT
  Typical: After 10-15 online payments per day

4. Technical failures (9XX)​

• 900/DO_NOT_HONOR
  Options:
  → Temporary processing glitch (repeat in 15 min)
  → Card in merchant stop list

Codes by payment systems​

VISA	Mastercard	WORLD
V4 – CVV invalid	MC2 – Acquiring Limit	MR6 – Region not served
V5 – Card not activated	MC4 - Geoblocking	MR8 – OTP Required

Universal diagnostic algorithm​

1. Decrypt the codevia:
   • Issuing Bank Directory
   • Payment gateway documentation (e.g. Stripe Errors)
2. Conduct tests:
   

   # For developers: emulation via curl
   curl -X POST https://api.payment.com/v1/charges \
   -H "Authorization: Bearer {API_KEY}" \
   -d amount=100 \
   -d currency=usd \
   -d source=tok_visa

3. Alternative solutions:
   • For recurring payments: link the card via tokenization
   • With REGION_BLOCK: use VPN + local bank card

Special cases​

Error	Secret solution
"Processor Declined"	Ask the bank to change the BIN routing
"Invalid CVC" when the code is correct	Reissue the card (there may be a chip glitch)
"Issuer Unavailable"	Pay via an intermediary wallet (PayPal, Revolut)

An accurate diagnosis always requires:

1. Full text of the error
2. Payment gateway name
3. The first 6 digits of the card (BIN)

Want to analyze a specific error code? Specify the exact wording and the service where it occurs.

 

[Cloned Boy]

Errors when paying by card in online services​

Errors when paying with a card in services such as Google Pay, Apple Pay or banking applications can occur for various reasons. Here are the main ones and possible ways to fix them:

1. Problems with your card or bank account​

• Insufficient funds in the account. Make sure that you have enough funds in your account to pay for the purchase. If there are not enough funds, top up your account or use another card.
• Payment declined by the card issuer. This may be due to bank restrictions or suspected fraudulent activity. In this case, contact the bank to clarify the reasons.
• Billing address mismatch. Check if the billing address matches the address on the card. If not, update the details.

2. Problems with device or application settings​

• For Google Pay:
  • Make sure your device supports NFC if you use contactless payment.
  • Make sure Google Wallet is set as your default payment app.
• For Apple Pay:
  • If you can't add a card to Apple Wallet, check if your card is supported by the service and make sure your device is updated to the latest version of iOS.

3. Account related errors​

• For Google:
  • If your payment is declined, check if additional information is required to complete the transaction. Sometimes services may ask for identification verification.
• For Apple:
  • If you see a message about a problem with a previous purchase or verification is required, try changing your payment method or paying off the balance with a gift card.

4. General recommendations​

• Update your app. Make sure you are using the latest version of your payment app.
• Restart your device. Sometimes a simple reboot can fix temporary glitches.
• Contact support. If the problem persists, contact your bank or payment service support.

If you encounter a specific error, please specify its code or description so that I can help in more detail!

Error codes when paying by card in online services​

When using online services such as Google Pay, Apple Pay or banking apps, you may encounter various error codes indicating the reasons for payment rejection. Here are some of the most common error codes and their meanings:

1. Code 01: Invalid card number​

This code indicates that the card number entered does not meet the standards. Please check that the number is entered correctly.

2. Code 03: Invalid CVV​

The error occurs if the security code (CVV) is entered incorrectly. Make sure you enter the correct code, which is located on the back of the card.

3. Code 41: Lost Card​

This code means the card has been marked as lost. Contact your bank for more information.

4. Code 62: Limited Service Code​

The error may occur if your card does not support certain types of transactions. This may be because the card is not designed for online payments.

5. Code 96: Network Error​

This code indicates a network or server issue that is preventing the transaction from completing. Please try again later.

6. Code 59: Suspected fraud​

If the bank suspects fraudulent activity, it may block the transaction. In this case, it is recommended to contact the bank to verify your identity.

7. Code 15: Connection Error​

This code indicates a problem with your network connection. Check your internet connection and try again.

8. Code 43: Card stolen​

If the card has been stolen, the transaction will be declined. Contact your bank to block the card and get a new one.

Conclusion​

If you encounter an error when paying, it is important to check the code carefully and follow the recommendations above. If in doubt, it is always best to contact your bank or payment service support for assistance.

 

[Professor]

Error codes when paying by card in online services help identify the reason for an unsuccessful transaction. These codes may be related to problems on the bank, platform or user side. Let's look at the main error codes, their meanings and solutions.

1. Authentication errors​

a) 3D_SECURE_REQUIRED​

• Description: Additional authentication via 3D Secure (e.g. SMS code or push notification) is required.
• Reason:
  • The bank requires confirmation of the transaction.
  • Two-factor authentication is not configured correctly.
• Solution:
  • Check your phone for an SMS with a code.
  • Make sure you are logged into your bank's mobile app to receive push notifications.

b) AUTHENTICATION_FAILED​

• Description: Authentication failed.
• Reason:
  • Incorrect code entered.
  • The code has expired.
• Solution:
  • Please try again and enter a new code.
  • Make sure your internet connection is stable.

2. Map related errors​

a) CARD_NOT_SUPPORTED​

• Description: The card does not support online payments.
• Reason:
  • The card is not activated for online transactions.
  • The bank has restricted the use of the card for international payments.
• Solution:
  • Contact your bank to activate online payments.
  • Check the possibility of making international transactions.

b) EXPIRED_CARD​

• Description: The card has expired.
• Reason:
  • The card is no longer valid.
• Solution:
  • Update your card details in the payment system.
  • Replace the card with a new one.

c) INVALID_CARD_NUMBER​

• Description: Invalid card number.
• Reason:
  • Error while entering data.
  • The card is not in the payment system database.
• Solution:
  • Please check that the number you entered is correct.
  • Make sure the card is issued by a bank that supports online payments.

3. Errors related to balance and limits​

a) INSUFFICIENT_FUNDS​

• Description: Not enough funds in the account.
• Reason:
  • There is not enough money on the card to make the purchase.
  • Part of the funds is blocked by the bank.
• Solution:
  • Top up your account.
  • Check your card balance.

b) TRANSACTION_LIMIT_EXCEEDED​

• Description: Transaction limit exceeded.
• Reason:
  • The amount exceeds the daily or monthly limit.
• Solution:
  • Increase your limit through your bank.
  • Split the payment into several smaller amounts.

4. Security Errors​

a) FRAUD_SUSPECTED​

• Description: Transaction blocked due to suspicious activity.
• Reason:
  • The bank considers the transaction suspicious (for example, due to an unusual location).
  • Using VPN or proxy.
• Solution:
  • Disable VPN or proxy.
  • Contact your bank to unblock the transaction.

b) SECURITY_VIOLATION​

• Description: Violation of security rules.
• Reason:
  • Multiple failed payment attempts.
  • Suspicious account behavior.
• Solution:
  • Wait until the temporary block is removed.
  • Please contact the platform for details.

5. Platform or store errors​

a) MERCHANT_ERROR​

• Description: Error on the store side.
• Reason:
  • Incorrect store settings.
  • Problems with payment gateway.
• Solution:
  • Please try the transaction again later.
  • Contact store support.

b) PAYMENT_GATEWAY_ERROR​

• Description: Payment gateway error.
• Reason:
  • Temporary system failures.
• Solution:
  • Please try the transaction again in a few minutes.
  • Check the platform's operating status.

6. Other errors​

a) CONNECTION_ERROR​

• Description: Problems with internet connection.
• Reason:
  • Unstable connection.
• Solution:
  • Check your internet connection.
  • Please try again through a stable network.

b) UNKNOWN_ERROR​

• Description: Unknown error.
• Reason:
  • Problems on the platform or bank side.
• Solution:
  • Contact platform or bank support.
  • Please provide a screenshot or description of the error.

7. Table of common error codes​

Error code	Description	Solution
3D_SECURE_REQUIRED	Additional authentication required	Confirm the transaction via SMS or app
INSUFFICIENT_FUNDS	Insufficient funds	Top up your account or use another card
CARD_NOT_SUPPORTED	The card does not support online payments.	Activate online payments via bank
EXPIRED_CARD	The card has expired	Update your card details
FRAUD_SUSPECTED	Suspicious activity	Contact your bank to unblock
TRANSACTION_LIMIT_EXCEEDED	Transaction limit exceeded	Increase your limit or split your payment
MERCHANT_ERROR	Error on the store's side	Contact store support

8. Conclusion​

Error codes when paying by card in online services help to understand the reason for the unsuccessful transaction. Most problems can be solved independently by following the recommendations above. If the problem persists, contact your bank or platform support service for help.

If you have a specific question or an example of an error, write - I will try to help!