> ## 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

When a Payment Intent fails, the `error_reason` attribute identifies the cause. The possible values are:

| `error_reason`                              | Description                                                                                                                                  | Country   |
| :------------------------------------------ | :------------------------------------------------------------------------------------------------------------------------------------------- | :-------- |
| `bank_account_locked`                       | The bank blocks the transfer service for this account.                                                                                       | 🇨🇱      |
| `bank_connection_error`                     | Fintoc encounters an error while connecting to the selected bank.                                                                            | 🇨🇱      |
| `bank_not_available`                        | The selected bank is temporarily unavailable.                                                                                                | 🇨🇱      |
| `amount_limit_reached`                      | The transfer amount reaches the maximum available amount.                                                                                    | 🇨🇱      |
| `insufficient_funds`                        | The account does not have enough funds to complete the payment.                                                                              | 🇨🇱      |
| `login_credentials_locked`                  | The bank reports that your customer's login credentials are locked.                                                                          | 🇨🇱      |
| `login_invalid_credentials`                 | The bank reports that your customer's login credentials are invalid.                                                                         | 🇨🇱      |
| `maximum_amount_error`                      | The amount exceeds the maximum amount allowed for that bank.                                                                                 | 🇨🇱      |
| `mfa_authorization_timeout`                 | The multifactor authorization times out before your customer approves the transfer.                                                          | 🇨🇱      |
| `mfa_invalid_authorization`                 | The bank reports that the multifactor authorization is 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` | Your customer reaches the maximum number of transfers allowed for new contacts.                                                              | 🇨🇱      |
| `recipient_account_not_allowed`             | The bank reports that the recipient account cannot receive transfers.                                                                        | 🇨🇱      |
| `unresolved_final_status`                   | The bank cannot confirm whether the payment completed. This reason appears only when Fintoc cannot validate a pending payment after 10 days. | 🇨🇱      |
| `widget_closed`                             | Your customer closes the widget before completing the payment.                                                                               | 🇨🇱/🇲🇽 |
| `user_left`                                 | Your customer leaves the payment flow before selecting an account or entering bank account credentials.                                      | 🇨🇱/🇲🇽 |
| `new_payment_intent_in_progress`            | Starting a new payment intent before completing the previous one cancels the original payment intent.                                        | 🇨🇱/🇲🇽 |

<Note>
  Fintoc may add more `error_reason` values. Your integration must handle values that this table does not list.
</Note>