Payment intent error reason

Payment Intents can fail for a variety of reasons. The reason a given payment intent failed is available in a Payment Intent Object’s error_reason attribute. Below is a list of all the types of error_reason Fintoc currently sends. Fintoc may add more at any time, so when developing and maintaining your code, don’t assume that only these types exist.

Bank transfers

Bank transfer error_reason values use these descriptions:

Error reason	Description	Country
`bank_account_locked`	The bank blocked the transfers service for this account.	🇨🇱
`bank_connection_error`	Fintoc had a problem connecting with the selected bank.	🇨🇱
`bank_not_available`	The selected bank is temporarily unavailable.	🇨🇱
`amount_limit_reached`	The maximum amount available to transfer was reached.	🇨🇱
`insufficient_funds`	The account doesn’t have enough money to execute the payment.	🇨🇱
`login_credentials_locked`	The bank indicated that the user’s credentials are locked.	🇨🇱
`login_invalid_credentials`	The bank indicated that the user’s credentials are invalid.	🇨🇱
`maximum_amount_error`	The amount exceeds the maximum amount allowed for that bank.	🇨🇱
`mfa_authorization_timeout`	The user did not authorize the transfer with their multifactor method.	🇨🇱
`mfa_invalid_authorization`	The bank indicated that the multifactor authorization was invalid.	🇨🇱
`mfa_locked`	The multifactor authentication method is locked.	🇨🇱
`mfa_unavailable`	The multifactor authentication method is unavailable.	🇨🇱
`new_contact_amount_limit_reached`	The amount exceeds the maximum amount permitted for new contacts.	🇨🇱
`new_contact_transfer_number_limit_reached`	The maximum number of transfers for new contacts was reached.	🇨🇱
`recipient_account_not_allowed`	The bank indicated that the recipient account is not allowed to receive transfers.	🇨🇱
`unresolved_final_status`	The bank can’t provide a definite answer on whether this payment was completed or not. This reason will only appear for pending payments that could not be validated after 10 days.	🇨🇱
`widget_closed`	The user closed the widget before completing the payment.	🇨🇱/🇲🇽
`user_left`	The user abandoned the payment process before selecting an account or entering their bank account’s credentials.	🇨🇱/🇲🇽
`new_payment_intent_in_progress`	The user started a new payment intent before completing the previous one, so the original payment intent was cancelled.	🇲🇽

Card payments

Card payment error_reason values use these descriptions:

Error reason	Description	Country
`authentication_failed`	3D Secure card authentication failed.	🇨🇱/🇲🇽
`card_declined`	The card issuer declined the transaction.	🇨🇱/🇲🇽
`insufficient_funds`	The card has insufficient funds or exceeds a spending limit.	🇨🇱/🇲🇽
`invalid_card`	The card is not supported or its data could not be validated.	🇨🇱/🇲🇽
`invalid_card_credentials`	The card number, expiration date, or security code is incorrect.	🇨🇱/🇲🇽

The following widget screens are examples for specific cases. Fintoc shows a different screen depending on the error reason, so the actual screen your customer sees might differ from these examples.