> ## Documentation Index > Fetch the complete documentation index at: https://docs.fintoc.com/llms.txt > Use this file to discover all available pages before exploring further. # 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](/api/payments-api/payment-intents/payment-intents-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. | πŸ‡¨πŸ‡± | | `bank_connection_error` | Fintoc had a problem connecting with the selected bank. | πŸ‡¨πŸ‡± | | `bank_not_available` | The selected bank is temporarily unavailable. | πŸ‡¨πŸ‡± | | `amount_limit_reached` | The maximum amount available to transfer was reached. | πŸ‡¨πŸ‡± | | `insufficient_funds` | The account doesn’t have enough money to execute the payment. | πŸ‡¨πŸ‡± | | `login_credentials_locked` | The bank indicated that the user's credentials are locked. | πŸ‡¨πŸ‡± | | `login_invalid_credentials` | The bank indicated that the user's credentials are invalid. | πŸ‡¨πŸ‡± | | `maximum_amount_error` | The amount exceeds the maximum amount allowed for that bank. | πŸ‡¨πŸ‡± | | `mfa_authorization_timeout` | The user did not authorize the transfer with their multifactor method. | πŸ‡¨πŸ‡± | | `mfa_invalid_authorization` | The bank indicated that the multifactor authorization was invalid. | πŸ‡¨πŸ‡± | | `mfa_locked` | The multifactor authentication method is locked. | πŸ‡¨πŸ‡± | | `mfa_unavailable` | The multifactor authentication method is unavailable. | πŸ‡¨πŸ‡± | | `new_contact_amount_limit_reached` | The amount exceeds the maximum amount permitted for new contacts. | πŸ‡¨πŸ‡± | | `new_contact_transfer_number_limit_reached` | The maximum number of transfers for new contacts was reached. | πŸ‡¨πŸ‡± | | `recipient_account_not_allowed` | The bank indicated that the recipient account is not allowed to receive transfers. | πŸ‡¨πŸ‡± | | `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. | πŸ‡¨πŸ‡± | | `widget_closed` | The user closed the widget before completing the payment. | πŸ‡¨πŸ‡±/πŸ‡²πŸ‡½ | | `user_left` | The user abandoned the payment process before selecting an account or entering their bank account's credentials. | πŸ‡¨πŸ‡±/πŸ‡²πŸ‡½ | | `new_payment_intent_in_progress` | The user started a new payment intent before completing the previous one, so the original payment intent was cancelled. | πŸ‡²πŸ‡½ | ## Card payments Card payment `error_reason` values use these descriptions: | Error reason | Description | Country | | -------------------------- | ---------------------------------------------------------------- | --------- | | `authentication_failed` | 3D Secure card authentication failed. | πŸ‡¨πŸ‡±/πŸ‡²πŸ‡½ | | `card_declined` | The card issuer declined the transaction. | πŸ‡¨πŸ‡±/πŸ‡²πŸ‡½ | | `insufficient_funds` | The card has insufficient funds or exceeds a spending limit. | πŸ‡¨πŸ‡±/πŸ‡²πŸ‡½ | | `invalid_card` | The card is not supported or its data could not be validated. | πŸ‡¨πŸ‡±/πŸ‡²πŸ‡½ | | `invalid_card_credentials` | The card number, expiration date, or security code is incorrect. | πŸ‡¨πŸ‡±/πŸ‡²πŸ‡½ | ## Bank transfer widget screens 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` ### `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`