Errors and codes

Payments operation errors

These error codes explains the qp_status_code field in the response when performing some operation on a payment.

Error Categories

  • 3xxxx: Authentication/SCA required (action needed to proceed)
  • 4xxxx: Client errors (rejections, validation errors)
  • 5xxxx: Server/communication errors
Code Message Description How to Handle
30100 3-D Secure required Transaction requires 3-D Secure authentication before proceeding. Redirect cardholder to 3DS authentication URL. Wait for callback after completion.
30101 SCA required Strong Customer Authentication required per PSD2 regulations. Complete additional authentication. Wait for callback.
40000 Rejected by acquirer Transaction rejected by acquirer or payment network. Always check aq_status_code and aq_status_msg for specific reason. Common causes: Insufficient funds, card declined, expired card, invalid card, amount limit exceeded, fraud suspicion, merchant configuration error. Do not retry without changes - check acquirer message to determine if retryable.
40001 Request data error Request contained invalid or malformed data. Fix validation errors (invalid card data, missing required fields, invalid format). Correct request data before retry.
40002 Authorization expired Authorization expired and can no longer be used for capture. Authorization too old or capture window passed. Create new authorization.
40003 Operation aborted Operation was aborted by merchant or system. Operation cancelled. Start new operation if needed.
40300 Fraud block Transaction blocked by fraud detection systems. Transaction flagged by fraud filters or risk score too high. Review fraud rules and transaction details.
41000 CoF deleted by scheme Card-on-file token deleted by the card issuer (bank) and no longer available. Card was removed by the issuer. Re-enroll card to create new token.
42300 CoF token suspended by scheme Card-on-file token suspended by the card issuer (bank) and cannot be used. Token temporarily blocked by issuer. Contact support or wait for reactivation.
50000 Gateway Error Unexpected internal error in QuickPay system. Development team automatically notified. Internal system error. Check logs. Do not retry immediately - may need support investigation.
50300 Communications Error Communication error with acquirer, payment network, or tokenization service. Network timeout or service unavailable. Retry after delay may succeed.

Important Notes

About Status Code 40000 (REJECTED)

This is a general rejection code covering many decline scenarios. Always check the aq_status_code and aq_status_msg fields for acquirer-specific details about why the transaction was rejected.

When you receive 40000:

  1. Check aq_status_code and aq_status_msg for the specific reason
  2. Determine if the error is retryable (e.g., insufficient funds might be retryable, but expired card is not)
  3. Provide appropriate feedback to end users based on the specific error
  4. Log both qp_status_code and aq_status_code for debugging and analytics
  • qp_status_msg: Human-readable message for the status code
  • aq_status_code: Acquirer-specific status code (varies by acquirer)
  • aq_status_msg: Acquirer-specific status message with detailed rejection reason
  • pending: Boolean indicating if operation is still pending