Setup intent error reason

Setup intents can fail for a variety of reasons. The reason a given setup intent failed is available in the Setup Intent object’s error_reason attribute. Fintoc sends the following error_reason values. Handle unknown values gracefully because Fintoc can add error reasons. The Setup method column indicates which payment method types can produce each error: bank_transfer, card, or pac (automatic recurring bank debit).

`error_reason`	Description	Setup method
`account_type_not_permitted`	The selected account type is not allowed for this setup.	`pac`
`authentication_failed`	Your customer failed the card issuer’s authentication challenge.	`card`
`authorization_timeout`	Your customer did not authorize the direct debit subscription in time.	`pac`
`bank_connection_error`	Fintoc had a problem connecting with the selected bank.	`bank_transfer`, `pac`
`bank_not_available`	The selected bank is temporarily unavailable.	`bank_transfer`, `pac`
`card_declined`	The card issuer declined the setup.	`card`
`insufficient_funds`	The account or card does not have enough funds to complete the setup.	`bank_transfer`, `card`
`internal_error`	An unexpected error occurred while processing the setup.	`bank_transfer`, `pac`
`invalid_card`	The card is invalid, or your business does not allow this card type.	`card`
`invalid_card_credentials`	Your customer entered incorrect card details, such as the number, expiration date, or security code.	`card`
`login_credentials_locked`	The bank locked your customer’s credentials after too many failed attempts.	`bank_transfer`, `pac`
`login_invalid_credentials`	The bank credentials your customer entered are incorrect.	`bank_transfer`, `pac`
`mfa_authorization_timeout`	Your customer did not complete the bank’s multi-factor authentication in time.	`pac`
`mfa_unavailable`	The bank’s multi-factor authentication is not available for your customer.	`pac`
`password_change_required`	The bank requires your customer to change their password before continuing.	`bank_transfer`, `pac`
`request_timeout`	The request to the bank timed out.	`bank_transfer`, `pac`
`subscription_intent_expired`	The underlying subscription intent expired before your customer completed the setup.	`pac`
`user_left`	Your customer left the widget before completing the setup.	`pac`

Fintoc API

Main Resources

Payments API

Transfers API

Movements API

Direct Debit (Legacy)

Fiscal API

Setup intent error reason