---
title: BNPL Errors
slug: developer-tools/error-codes/bnpl
excerpt: >-
  Learn more about the error codes associated with BNPL payments, including
  brief descriptions and their causes.
hidden: false
sidebar_order: 6
metadata:
  title: BNPL Error Codes — Buy Now Pay Later | Pine Labs
  description: >-
    BNPL error code reference. Troubleshoot Buy Now Pay Later failures including
    invalid amounts, rate limits, unauthorized transactions and eligibility.
  keywords: >-
    BNPL errors, buy now pay later errors, BNPL error codes, BNPL transaction
    failures, BNPL payment issues, BNPL integration errors
  robots: index
---
The list below is the top error codes associated with **BNPL** payments, along with their corresponding reasons and descriptions.

[block:html]
{
  "html": "<style>\n\n/* Container */\n.container {\n    max-width: 900px;\n    }\n\n/* Header */\n.header {\n    text-align: flex-start;\n    margin-bottom: 3rem;\n}\n\n.header h1 {\n    font-size: 2.5rem;\n    color: #1e293b;\n    margin-bottom: 0.75rem;\n}\n\n.header p {\n    font-size: 1.125rem;\n    color: #64748b;\n}\n\n/* Category Filter */\n.category-filter {\n    display: flex;\n    flex-wrap: wrap;\n    gap: 0.5rem;\n    margin-bottom: 2rem;\n}\n\n.category-label {\n    display: inline-block;\n    padding: 0.5rem 1rem;\n    background: #f1f5f9;\n    color: #475569;\n    border-radius: 9999px;\n    font-size: 0.875rem;\n    cursor: pointer;\n    transition: all 0.3s ease;\n    border: 2px solid transparent;\n}\n\n.category-label:hover {\n    background: #e2e8f0;\n}\n\n.category-input {\n    display: none;\n}\n\n/* Category Filtering Logic */\n/* Show all FAQs by default */\n.faq-item {\n    display: block;\n}\n\n/* Category filtering using radio buttons */\n#cat-all:checked ~ .faq-list .faq-item {\n    display: block;\n}\n\n#cat-4XX:checked ~ .faq-list .faq-item:not([data-category~=\"4XX\"]) {\n    display: none;\n}\n\n#cat-5XX:checked ~ .faq-list .faq-item:not([data-category~=\"5XX\"]) {\n    display: none;\n}\n\n/* Active category styling */\n#cat-all:checked ~ .category-filter label[for=\"cat-all\"],\n#cat-4XX:checked ~ .category-filter label[for=\"cat-4XX\"],\n#cat-5XX:checked ~ .category-filter label[for=\"cat-5XX\"] {\n    background: #003434;\n    color: white;\n    border-color: #002323;\n}\n\n/* FAQ List */\n.faq-list {\n    display: flex;\n    flex-direction: column;\n    gap: 1rem;\n}\n\n/* FAQ Item */\n.faq-item {\n    background: white;\n    border: 1px solid #e2e8f0;\n    border-radius: 0.5rem;\n    overflow: hidden;\n    transition: box-shadow 0.3s ease;\n}\n\n.faq-item:hover {\n    box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1);\n}\n\n.faq-checkbox {\n    display: none;\n}\n\n/* FAQ Question */\n.faq-question {\n    display: block;\n    padding: 1rem;\n    cursor: pointer;\n    user-select: none;\n    position: relative;\n    font-weight: 500;\n    font-size: 1.063rem;\n    color: #003434;\n    transition: background-color 0.3s ease;\n}\n\n.faq-question:hover {\n    background: #f8fafc;\n}\n\n/* Plus/Minus Icon */\n.faq-question::after {\n    content: '+';\n    position: absolute;\n    right: 1.5rem;\n    top: 50%;\n    transform: translateY(-50%);\n    font-size: 1.5rem;\n    font-weight: 300;\n    color: #2563eb;\n    transition: transform 0.3s ease;\n}\n\n.faq-checkbox:checked + .faq-question::after {\n    content: '−';\n    transform: translateY(-50%) rotate(180deg);\n}\n\n/* Category Tag */\n.faq-category-tag {\n    display: inline-block;\n    margin-top: 0.5rem;\n    font-size: 0.75rem;\n    color: #2563eb;\n    font-weight: 500;\n}\n\n/* FAQ Answer */\n.faq-answer {\n    max-height: 0;\n    overflow: hidden;\n    transition: max-height 0.4s ease, padding 0.4s ease;\n    padding: 0 1.5rem;\n    border-top: 1px solid transparent;\n}\n\n.faq-checkbox:checked ~ .faq-answer {\n    max-height: 1000px;\n    padding: 1.5rem;\n    border-top-color: #f1f5f9;\n}\n\n/* Answer Content Styling */\n.faq-answer p {\n    margin-bottom: 1rem;\n    color: #475569;\n}\n\n.faq-answer p:last-child {\n    margin-bottom: 0;\n}\n\n.faq-answer ul {\n    margin: 1rem 0;\n    padding-left: 1.5rem;\n}\n\n.faq-answer li {\n    margin-bottom: 0.5rem;\n    color: #475569;\n}\n\n.faq-answer strong {\n    color: #1e293b;\n}\n\n.faq-answer code {\n    background: #f1f5f9;\n    padding: 0.125rem 0.5rem;\n    border-radius: 0.25rem;\n    font-family: 'Courier New', monospace;\n    font-size: 0.875rem;\n    color: #dc2626;\n}\n\n/* Help Section */\n.help-section {\n    margin-top: 3rem;\n    padding: 2rem;\n    background: #dbeafe;\n    border-radius: 0.5rem;\n    text-align: center;\n}\n\n.help-section h3 {\n    font-size: 1.5rem;\n    margin-bottom: 0.5rem;\n    color: #1e293b;\n}\n\n.help-section p {\n    color: #475569;\n    margin-bottom: 1.5rem;\n}\n\n.help-button {\n    display: inline-block;\n    padding: 0.75rem 1.5rem;\n    background: #2563eb;\n    color: white;\n    text-decoration: none;\n    border-radius: 0.5rem;\n    font-weight: 500;\n    transition: background 0.3s ease;\n}\n\n.help-button:hover {\n    background: #1d4ed8;\n}\n\n/* Responsive Design */\n@media (max-width: 768px) {\n    .header h1 {\n        font-size: 2rem;\n    }\n\n    .faq-question {\n        padding: 1rem;\n        padding-right: 3rem;\n    }\n\n    .faq-checkbox:checked ~ .faq-answer {\n        padding: 1rem;\n    }\n\n    .help-section {\n        padding: 1.5rem;\n    }\n}\n\n</style>\n<div class=\"container\">\n\n        <!-- Category filter using radio buttons -->\n        <input type=\"radio\" id=\"cat-all\" name=\"category\" class=\"category-input\" checked>\n        <input type=\"radio\" id=\"cat-4XX\" name=\"category\" class=\"category-input\">\n        <input type=\"radio\" id=\"cat-5XX\" name=\"category\" class=\"category-input\">\n\n        <div class=\"category-filter\">\n            <label for=\"cat-all\" class=\"category-label\">All</label>\n            <label for=\"cat-4XX\" class=\"category-label\">4XX</label>\n            <label for=\"cat-5XX\" class=\"category-label\">5XX</label>\n        </div>\n\n        <div class=\"faq-list\">\n            <!-- Error Code 1 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq1\" class=\"faq-checkbox\">\n                <label for=\"faq1\" class=\"faq-question\">\n                    <strong>AMOUNT_INVALID</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Amount is incorrect.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n            </div>\n            <!-- Error Code 2 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq2\" class=\"faq-checkbox\">\n                <label for=\"faq2\" class=\"faq-question\">\n                    <strong>API_RATE_LIMIT</strong>\n                    <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Failure due to allowed attempts exceeded.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n            </div>\n            <!-- Error Code 3 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq3\" class=\"faq-checkbox\">\n                <label for=\"faq3\" class=\"faq-question\">\n                    <strong>CURRENCY_REQUIRED</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Currency is required.</li>\n                    </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n            </div>\n            <!-- Error Code 4 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq4\" class=\"faq-checkbox\">\n                <label for=\"faq4\" class=\"faq-question\">\n                    <strong>DUPLICATE_REQUEST</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span> <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Duplicate Merchant Reference ID received.</li>\n                        <li>Duplicate Transaction.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n            </div>\n            <!-- Error Code 5 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq5\" class=\"faq-checkbox\">\n                <label for=\"faq5\" class=\"faq-question\">\n                    <strong>ELIGIBILITY_RESPONSE_ID_EMPTY</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Something is missing in the request.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n            </div>\n            <!-- Error Code 6 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq6\" class=\"faq-checkbox\">          \n                <label for=\"faq6\" class=\"faq-question\">\n                    <strong>EMPTY_AMOUNT</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Amount can not be empty.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n            </div>\n            <!-- Error Code 7 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq7\" class=\"faq-checkbox\">\n                <label for=\"faq7\" class=\"faq-question\">\n                    <strong>EMPTY_MERCHANT_DETAILS</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Merchant details are empty.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n            </div>\n            <!-- Error Code 8 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq8\" class=\"faq-checkbox\">\n                <label for=\"faq8\" class=\"faq-question\">\n                    <strong>EMPTY_MERCHANT_ID</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Merchant id is not mentioned.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n            </div>\n            <!-- Error Code 9 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq9\" class=\"faq-checkbox\">\n                <label for=\"faq9\" class=\"faq-question\">\n                    <strong>EMPTY_MERCHANT_ORDER_REFERENCE</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Something is missing in the request.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n            </div>\n            <!-- Error Code 10 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq10\" class=\"faq-checkbox\">\n                <label for=\"faq10\" class=\"faq-question\">\n                    <strong>EMPTY_MOBILE_NUMBER</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Mobile number empty.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n            </div>\n            <!-- Error Code 11 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq11\" class=\"faq-checkbox\">\n                <label for=\"faq11\" class=\"faq-question\">\n                    <strong>EMPTY_PAYMENT_ID</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Payment id is not present.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n            </div>\n            <!-- Error Code 12 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq12\" class=\"faq-checkbox\">\n                <label for=\"faq12\" class=\"faq-question\">\n                    <strong>EMPTY_PAYMENT_TYPE</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Payment type is empty.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n            </div>\n            <!-- Error Code 13 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq13\" class=\"faq-checkbox\">\n                <label for=\"faq13\" class=\"faq-question\">\n                    <strong>EMPTY_REFUND_PAYMENT_ID</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Refund payment id is not present in the request.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n            </div>\n            <!-- Error Code 14 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq14\" class=\"faq-checkbox\">\n                <label for=\"faq14\" class=\"faq-question\">\n                    <strong>EMPTY_REQUEST</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Empty object sent.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n\t\t\t</div>\n            <!-- Error Code 15 -->\n            <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq15\" class=\"faq-checkbox\">\n                <label for=\"faq15\" class=\"faq-question\">\n                    <strong>EMPTY_TRANSACTION_REFERENCE</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Something is missing in the request.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n                </div>\n                <!-- Error Code 16 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq16\" class=\"faq-checkbox\">\n                <label for=\"faq16\" class=\"faq-question\">\n                    <strong>INCORRECT_OTP</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>The OTP submitted is incorrect.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 17 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq17\" class=\"faq-checkbox\">\n                <label for=\"faq17\" class=\"faq-question\">\n                    <strong>INQUIRY_REQUEST_WRONG</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Inquiry request is not set properly.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n                </div>\n                <!-- Error Code 18 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq18\" class=\"faq-checkbox\">\n                <label for=\"faq18\" class=\"faq-question\">\n                    <strong>INSUFFICIENT_FUNDS</strong>\n                    <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Insufficient Funds.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 19 -->\n                <div class=\"faq-item\" data-category=\"4XX 5XX\">\n                <input type=\"checkbox\" id=\"faq19\" class=\"faq-checkbox\">\n                <label for=\"faq19\" class=\"faq-question\">\n                    <strong>INTERNAL_ERROR</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span> <span class=\"faq-category-tag\"><code>422</code></span> <span class=\"faq-category-tag\"><code>500</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Internal server error. The request cannot be processed at this time.</li>\n                        <li>The request does not abide the expected contract and cannot be processed. This may be due to malformed request, invalid or missing parameters.</li>\n                        <li>The merchant is not allowed to do the transaction.</li>\n                        <li>Merchant is not valid.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <ul><li><code>INTERNAL</code></li><li><code>ACQUIRER</code></li></ul></p>\n                </div>\n                </div>\n                <!-- Error Code 20 -->\n                <div class=\"faq-item\" data-category=\"4XX 5XX\">\n                <input type=\"checkbox\" id=\"faq20\" class=\"faq-checkbox\">\n                <label for=\"faq20\" class=\"faq-question\">\n                    <strong>INTERNAL_ERROR_OCCURED</strong>\n                    <span class=\"faq-category-tag\"><code>422</code></span> <span class=\"faq-category-tag\"><code>500</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>some internal error occured.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n                </div>\n                <!-- Error Code 21 -->\n                    <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq21\" class=\"faq-checkbox\">\n                <label for=\"faq21\" class=\"faq-question\">\n                    <strong>INVALID_REQUEST</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span> <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>The request does not abide the expected contract and cannot be processed. This may be due to malformed request, invalid or missing parameters.</li>\n                        <li>The order amount is not valid for the transaction.</li>\n                        <li>Product Details must contain at least one product.</li>\n                        <li>Customer Address must not contain more than <code>100</code> characters</li>\n                        <li>Mobile No. already registered with another email.</li>\n                        <li>Customer Details are missing.</li>\n                        <li>Verification failed due to an invalid or expired token.</li>\n                        <li>Customer Email ID is invalid.</li>\n                        <li>Customer Mobile No. must contain only digits.</li>\n                        <li>Customer First Name is invalid.</li>\n                        <li>Customer Last Name is invalid.</li>\n                        <li>Merchant Order Reference Id is missing.</li>\n                        <li>Payment Details are missing.</li>\n                        <li>Invalid Request Parameters.</li>\n                        <li>Invalid or unrecognized Transaction ID or Payment ID.</li>\n                        <li>Payment method is missing/invalid.</li>\n                        <li>Authorization Data is required.</li>\n                        <li>The transaction value is higher than the allowed value.</li>\n                        <li>Payment Details are missing.</li>\n                        <li>Payment Amount is missing.</li>\n                        <li>Request Parameters Invalid Format.</li>\n                        <li>Customer Mobile No. must be at least <code>9</code> digits long</li>\n                        <li>Needed Request Parameters missing.</li>\n                        <li>Invalid Request Parameters.</li>\n                        <li>Payment method is missing/invalid.</li>\n                        <li>Redirect Url must not be empty.</li>\n                        <li>No matching records found for the inquiry.</li>\n                        <li>Merchant Order Reference is missing.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <ul><li><code>ACQUIRER</code></li><li><code>INTERNAL</code></li></ul></p>\n                </div>\n                </div>\n                <!-- Error Code 22 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq22\" class=\"faq-checkbox\">\n                <label for=\"faq22\" class=\"faq-question\">\n                    <strong>INVALID_USER_ACCOUNT</strong>\n                    <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Relevant User Account not active/valid.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 23 -->\n                <div class=\"faq-item\" data-category=\"5XX\">\n                <input type=\"checkbox\" id=\"faq23\" class=\"faq-checkbox\">\n                <label for=\"faq23\" class=\"faq-question\">\n                    <strong>LAZY_PAY_SERVICE_UNAVAILABLE</strong>\n                    <span class=\"faq-category-tag\"><code>500</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Some error occured on the acquirer end.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n                </div>\n                <!-- Error Code 24 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq24\" class=\"faq-checkbox\">\n                <label for=\"faq24\" class=\"faq-question\">\n                    <strong>MERCHANT_NOT_VALID</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Merchant is not valid.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n                </div>\n                <!-- Error Code 25 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq25\" class=\"faq-checkbox\">\n                <label for=\"faq25\" class=\"faq-question\">\n                    <strong>NEGATIVE_AMOUNT</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Amount should be greater than zero.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n                </div>\n                <!-- Error Code 26 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq26\" class=\"faq-checkbox\">\n                <label for=\"faq26\" class=\"faq-question\">\n                    <strong>OPERATION_NOT_ALLOWED</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span> <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Refund not allowed on this order type.</li>\n                        <li>OPERATION_NOT_ALLOWED.</li>\n                        <li>Order might have already processed.</li>\n                        <li>Refund not allowed on this order.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 27 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq27\" class=\"faq-checkbox\">\n                <label for=\"faq27\" class=\"faq-question\">\n                    <strong>ORDER_NOT_FOUND</strong>\n                    <span class=\"faq-category-tag\"><code>404</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Order not found.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 28 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq28\" class=\"faq-checkbox\">\n                <label for=\"faq28\" class=\"faq-question\">\n                    <strong>OTP_EMPTY</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>otp can not be empty.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                  </div>\n                  </div>\n                <!-- Error Code 29 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq29\" class=\"faq-checkbox\">\n                <label for=\"faq29\" class=\"faq-question\">\n                    <strong>PAYMENT_EXPIRED</strong>\n                    <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Transaction expired.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 30 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq30\" class=\"faq-checkbox\">\n                <label for=\"faq30\" class=\"faq-question\">\n                    <strong>PAYMENT_ID_INVALID</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Payment id is incorrect.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>PROCESSOR/GATEWAY</code></p>\n                </div>\n                </div>\n                <!-- Error Code 31 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq31\" class=\"faq-checkbox\">\n                <label for=\"faq31\" class=\"faq-question\">    \n                    <strong>PAYMENT_NOT_AUTHORIZED</strong>\n                    <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Transaction not Authorized.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 32 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq32\" class=\"faq-checkbox\">\n                <label for=\"faq32\" class=\"faq-question\">\n                    <strong>PAYMENT_RATE_LIMIT</strong>\n                    <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Failure due to request velocity or limit checks.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 33 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq33\" class=\"faq-checkbox\">\n                <label for=\"faq33\" class=\"faq-question\">\n                    <strong>RISK_CHECK_FAILED</strong>\n                    <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Payment has been blocked based on the risk check.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 34 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq34\" class=\"faq-checkbox\">\n                <label for=\"faq34\" class=\"faq-question\">    \n                    <strong>TIMED_OUT</strong>\n                    <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Transaction Timed out.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 35 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq35\" class=\"faq-checkbox\">\n                <label for=\"faq35\" class=\"faq-question\">\n                    <strong>TRANSATION_NOT_ALLOWED</strong>  \n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>the user needs to sign up first on the application.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 36 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq36\" class=\"faq-checkbox\">\n                <label for=\"faq36\" class=\"faq-question\">\n                    <strong>UNAUTHORIZED</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span> <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>The merchant is not allowed to do the transaction.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 37 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq37\" class=\"faq-checkbox\">\n                <label for=\"faq37\" class=\"faq-question\">\n                    <strong>UNKNOWN_ERROR</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span> <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Failure due to Unknown reason.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 38 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq38\" class=\"faq-checkbox\">\n                <label for=\"faq38\" class=\"faq-question\">\n                    <strong>USER_AUTHENTICATION_FAILED</strong>\n                    <span class=\"faq-category-tag\"><code>422</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>Consumer Authentication failed.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                <!-- Error Code 39 -->\n                <div class=\"faq-item\" data-category=\"4XX\">\n                <input type=\"checkbox\" id=\"faq39\" class=\"faq-checkbox\">\n                <label for=\"faq39\" class=\"faq-question\">\n                    <strong>USER_UNAUTHORIZED</strong>\n                    <span class=\"faq-category-tag\"><code>400</code></span>\n                </label>\n                <div class=\"faq-answer\">\n                    <p><strong>Error Message</strong></p>\n                    <ul>\n                        <li>the user is not authorized to do the transaction.</li>\n                  </ul>\n                  <p><strong>Source</strong>: <code>ACQUIRER</code></p>\n                </div>\n                </div>\n                </div>\n                </div>"
}
[/block]