For merchants processing credit card payments directly (see Direct Integrations), error responses will include a decline_details object with additional information about why a payment was declined.

For example, if you create a credit card payment,

You may receive a response of the following form:

{
  "error": {
    "code": "exceeds_limit",
    "message": "Exceeds card limit",
    "param": null,
    "details": {},
    "decline_details": {
      "decline_code": "51",
      "merchant_message": "LIMIT EXCEEDED",
      "merchant_action": "try_again_later"
    }
  }
}

The exact decline_code depends on which card network was used to process the payment under the hood.

Possible Decline Codes

Here is the list of possible decline codes you might see in decline_details.decline_code.