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 we currently send. We may add more at any time, so in developing and maintaining your code, you should not 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 temporary 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.	🇨🇱/🇲🇽

Below you can see the equivalent widget screen your user might encounter. It is important to note that these screens serve as an example for certain cases and will not be these in every case as we try to give specific instructions for a wide range of cases within an error reason.