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 payment reached the maximum amount available to transfer.	🇨🇱
`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 payment reached the maximum number of transfers allowed for new contacts.	🇨🇱
`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 only appears for pending payments that Fintoc could not validate 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_amount`	The card processor did not accept the payment amount, for example because of a currency conversion overflow. Ask your customer to try another payment method.	🇨🇱/🇲🇽
`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.	🇨🇱/🇲🇽

Direct debit

Direct debit error_reason values use these descriptions when a Payment Intent’s payment_type is pac (Pago Automático de Cuentas in Chile) or mx_direct_debit (domiciliación in Mexico):

Error reason	Description	Country
`insufficient_funds`	The account doesn’t have enough money to cover the charge.	🇨🇱/🇲🇽
`amount_limit_reached`	The charge exceeds or doesn’t match the amount allowed for the mandate or the account.	🇨🇱/🇲🇽
`bank_account_locked`	The bank blocked the account, so it can’t be charged.	🇨🇱/🇲🇽
`payment_method_account_not_found`	The account linked to the mandate doesn’t exist, is closed, or isn’t valid.	🇨🇱/🇲🇽
`bank_account_not_chargeable`	The account type or currency doesn’t accept direct debit charges.	🇲🇽
`mandate_revoked`	Your customer or their bank canceled the mandate, your customer asked their bank to stop charging the mandate, or the bank doesn’t have the mandate registered.	🇨🇱/🇲🇽
`mandate_not_active`	The mandate wasn’t active when the charge was processed, for example because your customer’s consent wasn’t confirmed.	🇲🇽
`charge_canceled_by_provider`	Fintoc’s direct debit processor canceled the charge, for example after a risk or document check.	🇲🇽
`bank_not_available`	Your customer’s bank doesn’t participate in direct debit or isn’t valid.	🇲🇽
`bank_connection_error`	The bank or the interbank network rejected or couldn’t process the charge.	🇲🇽
`internal_error`	The charge failed for a reason Fintoc can’t classify.	🇨🇱

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.

`bank_account_locked`

`bank_connection_error`

Fintoc API

Main Resources

Payments API

Business Accounts API

Movements API

Direct Debit (Legacy)

Fiscal API

Payment intent error reason

Bank transfers

Card payments

Direct debit

Bank transfer widget screens

`bank_account_locked`

`bank_connection_error`

`bank_not_available`

`amount_limit_reached`

`insufficient_funds`

`login_credentials_locked`

`login_invalid_credentials`

`maximum_amount_error`

`mfa_authorization_timeout`

`mfa_invalid_authorization`

`mfa_locked`

`mfa_unavailable`

`new_contact_amount_limit_reached`

`new_contact_transfer_number_limit_reached`

`recipient_account_not_allowed`

Fintoc API

Main Resources

Payments API

Business Accounts API

Movements API

Direct Debit (Legacy)

Fiscal API

​Bank transfers

​Card payments

​Direct debit

​Bank transfer widget screens

​bank_account_locked

​bank_connection_error

​bank_not_available

​amount_limit_reached

​insufficient_funds

​login_credentials_locked

​login_invalid_credentials

​maximum_amount_error

​mfa_authorization_timeout

​mfa_invalid_authorization

​mfa_locked

​mfa_unavailable

​new_contact_amount_limit_reached

​new_contact_transfer_number_limit_reached

​recipient_account_not_allowed

Bank transfers

Card payments

Direct debit

Bank transfer widget screens

`bank_account_locked`

`bank_connection_error`

`bank_not_available`

`amount_limit_reached`

`insufficient_funds`

`login_credentials_locked`

`login_invalid_credentials`

`maximum_amount_error`

`mfa_authorization_timeout`

`mfa_invalid_authorization`

`mfa_locked`

`mfa_unavailable`

`new_contact_amount_limit_reached`

`new_contact_transfer_number_limit_reached`

`recipient_account_not_allowed`