Maksete veakoodid

Supported cards MASTERCARD and VISA

Card holder name is invalid

Token payment response can refer to an Expired card.

Our decline. This error situation can occur when the end-user uses the browser back button to navigate to previous steps in the payment process. Customer needs to go back to the shop and start the payment process again.

Our decline. Merchant processing account is closed

Our decline. Visa or Mastercard cards have switched off

Our decline. Linkpay option has closed for merchants

Our decline. Underlying card token has been deactivated:

Please tokenise (save) card and try again.

Our decline. There are no processing accounts linked to fraud rules

Token agreement for MIT or CIT card payments is different, as it was via Tokenization request

Issuer decline. The most general decline from card issuer. Could indicate that payment is rejected:

Issuer decline due risk or internal product policy.

Issuer decline. Card closed or not suitable for e-commerce transactions (e.g. ATM-only card).

Issuer bank declines the card payment.

Processor error - Payment authorization processing was delayed

Payment authorization was declined, can indicate wrong expiry date or currency.

Issuer decline. Insufficient funds or exceeded limit

Issuer decline. Can indicate that Issuer has problems with reading the authorisation message. Ask us for more information.

Issuer Decline (Card issuer have problem in card system or with card organization)

Issuer decline. Card expired. Can also indicate wrong CVC

Issuer decline. Suspected fraudulent card. Could also indicate that the wrong CVC was entered.

Issuer decline. Card lost or stolen

There have been multiple similar authorization requests, cardholder should try again, seems system error

Issuer decline. Exceeded limit on card or within predefined period

Issuer decline. ec-Chipcard not valid anymore

Client has entered the wrong personal identification number.

Issuer response that Strong Customer Authentication (SCA) is required. Transaction should be re-submitted with 3DS.

Issuer decline. Card is suspected as fraudulent or manipulated (ec-chipcard)

Issuer decline. Use for accounts closed by the Issuer or the cardholder for any reason. Reattempt not permitted with the same PAN or token. Request alternate payment method from customer and/or advise the cardholder to contact their Issuer

Clearing error - it shouldn’t happen in the authorization part

Issuer decline - the limits set by the issuer (or cardholder) have been exceeded

Issuer decline - amount is no longer available in clients account

Try to initiate the payment again.

Processor error - payment can not initialized

Processor error - there need to be ask is Acquirer has set and activated correct parameters.

Technical problems on Issuer side or connection error with card schemes. Ask the cardholder to try again.

Can indicate that Issuer has problems with authorization.

Can indicate that Issuer has problems with authorization.

Issuer Decline - the real cause of decline and post behavior is unknown. Please contact issuer bank.

Contact us for more diagnostics information

Issuer decline. Unidentified decline with payment processing. Can refer to:

Issuer decline. Transaction out of amount limits defined by issuer (general/policy limit).

Issuer decline. Can indicate that payment is rejected because

Issuer decline. Can refer to card type not being valid for particular transaction (e.g ATM-only card used for e-commerce transaction)

Issuer decline. Unidentified decline with payment processing.

Technical problems on Issuer side or connection error with card schemes. Ask the cardholder to try again.

Card is not registered with any card schemes (Visa, MasterCard etc), not an international card

Unidentified technical issues with payment processing, ask us for more information.

The customer’s card issuer has declined the transaction as this transaction appears to be a duplicate transmission. Check this is the case and process the transaction again if needed.

Issuer decline. A negative response which indicates technical problems on the issuer side (e.g. connection interruption between Card organization [MC or VISA] and the issuer).

Security device error, try again

Issuer decline. Refers to some possible violation with some laws or sanctions, specifics to region, country, card type, business area (e.g in some countries crypto currency is not allowed, or debt repayments are not allowed for some card types etc).

There have been multiple similar authorization requests, cardholder should try again, seems system error

Issuer decline - the original transaction date is nor correct or have been exceeded the reversal allowance period

Clearing error - doesn't happen in autohorisaztion

Activity count exceeded/PIN required

Issuer decline. Unidentified decline with payment processing.

Card issuer timed out (e.g. due to maintenance or technical errors).

Used when a Cardholder requested to stop all recurring payment transactions for a specific Merchant account

Card and/or card behind the token is incorrect or expired

Card and/or card behind the token getting issuer decline with additional info, please don’t try again in the near future (30 days) the same transaction.

Pre-authorization finalization transaction amount is not correct

Issuer decline. Please contact issuer bank.

Issuer decline due to incorrect Cardholder Verification Value (from the card) entered.

Issuer decline. Issues with PIN verification or validation.

Issuer decline. Unidentified decline with payment processing, ask us for more information.

Transaction over allowed maximum transaction amount as defined in merchant agreement with bank.

Decline within our system due to triggered fraud rule configured with fraud rules settings. Depends on acquirer bank: Rules are accessible and can be managed by merchant via Portal or merchant needs to contact the bank to change the rules.

Can’t finalize the failed authorization

Multiple 3DS authentication requests sent for one payment that is already finalised. No actions needed.

Pre-auth finalization amount is not correct (usually bigger than allowed)

Can’t void the failed authorization

Issuer decline. Can indicate:

Incorrect authentication value received in authentication response.

Cardholder has failed to enter 3DS password within 15 minutes timeframe

Can’t void, if the payment allowed time to VOID is over

Our error - preventing double charges to already finished payment.
​Use different order reference or you can turn off “Order reference uniqueness validation” in the “E-Shop Settings” (Portal)

Token payments are disabled for the current shop. Please contact us to enable token payments.

Card issued in Estonia was used to execute a payment in some other currency than EUR (it is agreed with banks in Estonia that only acceptable currency for cards issued in Estonia and with the merchant acquired by Estonian bank is EUR).

Merchant processing account is closed or disable

Payment declined due to 3DS technical failure.

Card restriction - the card brand or card type is restricted by the acquirer bank.

Can’t refund the payment, because refund is not allowed or payment is already refunded

Mandatory parameter such as "customer_url" is invalid, and the "preferred_country" doesn't have a valid value, only EE, LV, LT can be used

Unidentified technical issues with payment processing, ask us for more information.

Customer has 15 minutes to perform 3DS authentication. If the time is exceeded and 3DS authentication is not finalised the payment status is changed from 'Waiting for 3DS' to 'Abandoned'. It is Final status and means failed payment.

The issues during authentication could be that when 3DS authentication window was prompted

Bank decline, invalid parameters or details sent.

Payment cannot be executed from this type of account (set on bank side).

User cannot make a payment from the account due to permission settings on bank side.

Client has no enabled accounts or only card accounts.

Other currency than EUR is selected for the payment

Structured reference has been marked as Mandatory for this bank account

Not enough money on bank account to execute a payment

Was not able to retrieve the account number.

Not enough money on bank account to execute a payment

Payment daily limit exceeded.

Not able to connect to the banks servers.

Payment monthly limit exceeded.

Some technical issues encountered on bank side.

Session time is expired or session is terminated by other session (attempt).

Token used is not valid.

Our decline. Customer did not give consent.
​In Luminor case it can also mean that none of the accounts can be used to make a payment, customer should contact his/her bank.

User cancels the payment (for SEB SCA exempted case)

Customer failed/canceled SCA

Our decline. The specific payment method is disabled due to issues on the payer's bank side.

Transaction amount exceeds clients allowed limits.

Payment authorization failed, ask us to investigate further.

Our decline. The processing account has been disabled.

Issuer decline.