> ## Documentation Index > Fetch the complete documentation index at: https://docs.mangopay.com/llms.txt > Use this file to discover all available pages before exploring further. # All error codes This page lists the functional errors returned by the API as a `ResultCode` and its `ResultMessage`. For KYC document refusals (`RefusedReasonType`, `RefusedReasonMessage`, and `Flag`), see the [dealing with refusals](/guides/users/verification/documents/submission/refusals) article. For `ActionCodes` applied when a user is blocked, see the [blocked users](/guides/users/blocked-users) article. **Note - Categories are indicative** The categories presented on this page are not exhaustive and errors may be returned on multiple features and endpoints. ## Success **Success**\ The `000000` result code indicates a successful outcome. ## Generic **The client API access is not active**\ The API access of the platform is not active. **Generic Operation error**\ An incident or connection issue has occurred and closed all transactions. **Technical error**\ Technical error. ## User limits ### Closed users **User owning debited wallet is closed and cannot transfer to another wallet** The transaction is requested from a wallet belonging to a closed user and is therefore refused. **User owning credited wallet is closed and and cannot receive funds from another wallet** The transaction is targeting a wallet belonging to a closed user and is therefore refused. ### User category **Users with category PAYER cannot make transfers to other users with category PAYER.**\ The action was refused because the user is a Payer, not an Owner. **Users with category PAYER cannot receive transfers from users with category OWNER.**\ The action was refused because the user receiving the transfer is a Payer, not an Owner. **Refused due to user's UserCategory: PAYER** The action was refused because it is only permitted if the user is an OWNER. **Users in PENDING\_USER\_ACTION status cannot create transfers**\ The transfer failed because the user's `UserStatus` is `PENDING_USER_ACTION`. ### Owner user SCA **Transfer authentication failed. Please retry with a new request.** The user reached the maximum number of retries for one of the authentication factors, so the SCA session failed. **Transfer authentication expired. Please initiate a new request.** The user did not complete all steps required within 10 minutes, so the SCA session expired. ### User verification **Blocked due to User Balance limitations (maximum owned amount reached)**\ The payout was blocked due to user balance limitations. **Blocked due to KYC limitations (maximum debited or credited amount reached)**\ The payout was blocked due to KYC limitations in terms of credited or debited amount. **Blocked due to the Bank Account User's KYC limitations (maximum debited or credited amount reached)**\ The payout has been refused refused because the bank account owner is not verified. **Blocked due to a Debited User's KYC limitations (maximum debited or credited amount reached)**\ The payout was blocked due to KYC limitations in terms of credited or debited amount. ## Card input and registration **Token processing error**\ The token for the card wasn't created. **Invalid card number**\ The given card number doesn’t match the real number of the card. **Invalid cardholder name**\ The given card holder’s name doesn’t match the name of the owner of the card. **Invalid PIN code**\ The PIN (”personal identification number”) is invalid. **Invalid PIN format**\ The format of the personal identification number is not valid. **Card number: invalid format**\ The card number’s format provided for the card registration is invalid. **Expiry date: missing or invalid format**\ The card’s expiry date information provided for the card registration is either invalid or missing. **CVV: missing or invalid format**\ The card verification code information provided for the card registration is either invalid or missing. **Callback URL: Invalid format**\ The ReturnURL parameter value is invalid in the card registration. **Registration data : Invalid format**\ The RegistrationData provided for the card registration is invalid. **Token input Error**\ An error occurred when submitting the token to the bank. **CardRegistration error**\ The card registration failed. ## Generic transaction errors **Unsufficient wallet balance**\ The wallet does not contain enough funds to process the transaction. **Author is not the wallet owner**\ The user Id used as Author has to be the wallet owner **Unsufficient balance for this emoney owner**\ The transaction failed due to insufficient balance for the e-money owner. **Transaction amount is higher than maximum permitted amount**\ The pay-in cannot be processed because the amount is higher than the maximum permitted amount. **Transaction amount is lower than minimum permitted amount**\ The transaction cannot be performed because the amount is lower than the minimum permitted amount. **Invalid transaction amount**\ The end user's bank has rejected the transaction. **CreditedFunds must be more than 0 (DebitedFunds can not equal Fees)**\ The debited funds must be greater than the fees. **Transaction refused: the Debited Wallet and the Credited Wallet must be different**\ Funds cannot be transferred to the same wallet. ## Pay-ins **PSP timeout please try later**\ PSP timeout please try later. **PSP configuration error**\ PSP configuration error **PSP technical error**\ The pay-in failed due to a technical error linked to the PSP. **Bank technical error**\ The Bank has denied the payment for unknown reasons. **Transaction refused by the bank (Do not honor)**\ The transaction has been refused due to restrictions on the issuing bank side. **The payment period has expired**\ The period allowed for the user to complete the payment has ended. **Maximum number of attempts reached**\ The pay-in is blocked due to too many attempts for the same transaction. **Transaction refused**\ The transaction has been refused by the bank. ### Card payments **Author is not the card owner**\ The pay-in failed because the author is different from the card owner. **Transaction refused by the bank (Amount limit)**\ The card has reached the amount limit set by the issuing bank. **Transaction refused by the terminal**\ Transaction refused by the terminal. **Transaction refused by the bank (card limit reached)**\ The card limit has been reached. **The card has expired**\ The pay-in failed because the card has expired. **The card is inactive**\ The pay-in failed because the card is inactive according to the issuing bank. **Maximum amount exceeded**\ The card has reached the amount limit set by the issuing bank. **Maximum amount exceeded**\ The card has reached the amount limit set by the issuing bank. **Debit limit exceeded**\ The spent amount limit set by the bank has been reached. **Debit transaction frequency exceeded**\ The maximum number of authorized daily transactions has been exceeded. **An initial transaction with the same card is still pending**\ The pay-in failed because another transaction with the same card is still pending. **The card is not active**\ The card has been disabled on Mangopay and can no longer be used. ### 3D Secure **The 3DS authentification has failed due to supplementary security checks**\ The pay-in failed due to supplementary security checks preventing 3DS authentication. **Authentication not available: do not benefit from liability shift**\ 3DSecure is not available on this transaction. Liability shift has been rejected by the issuing bank. **SecureMode: 3DSecure authentication has failed**\ The 3DSecure authentication has failed. **Secure mode: The card is not enrolled with 3DSecure**\ The 3DSecure feature is not enabled for this card. **Secure mode: The card is not compatible with 3DSecure**\ The 3DSecure feature is not supported for this card. **Secure mode: The 3DSecure authentication session has expired**\ The 3DSecure authentication session has expired. **SecureMode: Soft decline**\ Strong customer authentication is required in order to be able to proceed to the payment due to soft decline. **Secure mode: 3DSecure authentication is not available**\ The 3DSecure feature is not available. ### Card preauthorization **The PayIn DebitedFunds can't be higher than the PreAuthorization remaining amount**\ The captured funds amount cannot be higher than the preauthorization remaining amount. ### Web card pay-ins **User has not been redirected**\ The pay-in failed because the user has not been redirected to the payment page. **User canceled the payment**\ The pay-in failed because the user canceled the payment. **User is filling in the payment card details**\ The user is still on the payment page. **User has not been redirected then the payment session has expired**\ The pay-in failed because the user wasn’t redirected to the payment page. **User has let the payment session expire without paying**\ The user has let the payment session expire. **The user does not complete transaction**\ The user didn't provide all the information. **The transaction has been cancelled by the user**\ The transaction has been canceled by the end user. ### Bank wire **The payment has been refused**\ The bank transfer has been declined or canceled due to a bank wire issue. ### Pay by Bank **RedirectURL page embedded** The payment failed because the redirect URL is embedded in a page. **RedirectURL already processed** The payment failed because the redirect URL has already been processed. **Bank not supported** The payment failed because the selected bank is not supported. **User not recognized** The payment failed because the user is not recognized by the bank. **Authentication method not supported** The payment failed because the authentication method selected is not supported. **Invalid user credentials** The payment failed due to invalid user credentials. **Parallel session detected** The payment failed due to another session being open for the user. **User blocked by bank** The payment failed because the user has been blocked by their bank. **User denied by bank** The payment failed because the user is not authorized to perform this action. ### Virtual IBAN **The banking alias is not active**\ The pay-in to the ibanized wallet failed because the Banking Alias is not active. ### Direct debit **Author is not the Mandate owner**\ The pay-in failed because the author is not the mandate owner. **The bank account has been closed**\ The bank account for the mandate has been closed. **The bank details supplied were incorrect**\ The mandate cannot be created because the bank account is incorrect. **Direct debit is not enabled for this bank account**\ The mandate cannot be created because direct debit is not supported for this bank account. **The user has disputed the authorisation of the mandate**\ The pay-in failed because the user has contested the authorization of the mandate. **The user has cancelled the mandate**\ The mandate has been canceled by the end user. **The client has cancelled the mandate**\ The mandate has been canceled by the platform. **User has let the mandate session expire without confirming**\ The mandate wasn’t confirmed and has expired **There are insufficient funds in the bank account**\ The pay-in failed due to insufficient funds in the bank account. **Contact the user**\ The pay-in failed for an unknown reason. The end user should be contacted. **The payment has been cancelled**\ The pay-in failed because the end user canceled it. **The Status of this Mandate does not allow for payments**\ The pay-in failed due to the status of the corresponding mandate. **The user has disputed the payment**\ The user requested a chargeback for this payment. **The mandate has expired**\ The pay-in failed because the corresponding mandate is expired. **The mandate has been submitted to the user’s bank**\ The mandate has been submitted to the user’s bank. ### Google Pay **Invalid PaymentData**\ The PaymentData provided for the Google Pay pay-in is not valid ### Klarna **AdditionalData format error**\ The AdditionalData value is not the expected format, not complete, or not present. ### PayPal **PayPal account balance insufficient**\ The pay-in failed due to insufficient funds in the PayPal account. **PayPal related payment instrument declined**\ PayPal related payment instrument declined. **PayPal transaction approval has expired**\ The pay-in failed because the PayPal account owner did not confirm the payment. **PayPal account's owner has not approved payment**\ The pay-in failed because the PayPal account owner rejected the payment. **Shipping address is invalid**\ The shipping address is not valid. **This transaction has been refused by PayPal risk**\ The transaction has been refused by PayPal risk. **PayPal account is restricted**\ The PayPal account is restricted. **PayPal account locked or closed**\ The PayPal account is locked or closed. **Data validation error**\ One of the required parameters may be missing or invalid. ## Refunds **Transaction has already been successfully refunded**\ The transaction has already been successfully refunded. **The transaction cannot be refunded (max 11 months)**\ The initial transaction occurred more than 11 months ago **No more refunds can be created against this transaction**\ No more refunds can be created against this transaction. **The initial transaction occured less than 7 days ago** A direct debit pay-in cannot be refunded within 7 calendar days of the pay-in `CreationDate`. **The refund cannot exceed initial transaction amount**\ The amount of the refund exceeds the amount of the initial transaction. **The refunded fees cannot exceed initial fee amount**\ The refund fees amount exceeds the initial transaction fees. **Balance of client fee wallet unsufficient**\ The refund failed because the fees exceeds the balance of the Fees Wallet. **Another refund for this transaction is still pending.**\ Another refund for this transaction is still pending. **Duplicated operation: you cannot reimburse the same amount more than once for a transaction during the same day.**\ The refund failed because the same amount as already been refunded in the last 24 hours for the initial transaction. **Due to repudiations against this transaction, you can not refund this amount.**\ The refund failed because the pay-in is already being disputed. ## Dispute settlement transfers **The total DebitedFunds settled cannot exceed the initial transaction DebitedFunds available for settlement**\ The settlement transfer failed due to a debited funds Amount exceeding the debited funds of the initial transaction. **The total Fees settled cannot exceed the initial transaction Fees available for settlement**\ The settlement transfer failed due to a fees Amount exceeding the fees of the initial transaction. **The repudiation has already been successfully settled**\ The settlement transfer failed because the repudiation has already been settled. ## FX conversions **Conversion could not be debited from wallet**\ The funds could not be withdrawn from the debited wallet. **Conversion failed during conversion operation**\ The funds could not be converted. **Conversions while market is closed are not enabled. Contact your support to activate this feature.**\ The conversion failed because FX markets were closed and off-market trading is not enabled. ## Risk management **Transaction blocked by Fraud Policy**\ This payment does not comply with Mangopay’s anti-fraud rules. **Transaction refused due to blocked Country**\ The payout cannot be performed because the target country is not authorized. **Transaction refused due to blocked IBAN**\ The payout cannot be performed because the target IBAN bank account is blocked. **Transaction refused due to blocked BIC**\ The payout cannot be performed because the target bank is not authorized. **Amount of the transaction exceeded the amount permitted**\ The transaction amount exceeds the permitted amount. **Number of accepted transactions exceeded the velocity limit set**\ Credit/debit cards are limited to 10 payments per day for security reasons. **Unauthorized IP address country**\ The pay-in failed because the IP address is located in an unauthorized country. **Cumulative value of transactions exceeded**\ The pay-in failed because the cumulative value of transactions is exceeded. **Wallet blocked by Fraud policy**\ The wallet has been blocked because it doesn’t comply with Mangopay’s anti-fraud rules. **User blocked by Fraud policy**\ The user has been blocked because of Mangopay’s anti-fraud rules. **Suspicion of fraud**\ The transaction failed due to a suspicion of fraud. ### Card-related **Counterfeit Card**\ The pay-in failed because the issuing bank declared the card as a counterfeit. **Lost Card**\ The pay-in failed because the issuing bank declared the card as lost. **Stolen Card**\ The pay-in failed because the issuing bank declared the card as stolen. **Card bin not authorized**\ This card has been blocked by Mangopay’s Fraud team. **Security violation**\ The card has been blocked due to abnormal behavior. **Fraud suspected by the bank**\ The card has been blocked by the issuing bank due to abnormal behavior. **Opposition on bank account (Temporary)**\ The card has temporarily been blocked on Mangopay’s side. **Pay-in failed: the issuing bank reports that the bank account linked to this card does not exist.**\ The issuer indicates the account linked to this card no longer exists, perhaps because it has been closed. **Unauthorized Card issuer country**\ The card issuer is domiciled in an unauthorized country. **Number of bank cards allowed is exceeded**\ The number of cards allowed is exceeded. **Number of clients per card is exceeded**\ The number of clients per card is exceeded. **IP location different than card issuer country**\ The IP location is different from the country the card issuer is domiciled in. **Number of device fingerprints allowed is exceeded**\ The pay-in failed because the number of cards for this fingerprint is exceeded. **Unauthorized Card BIN**\ The card BIN is not authorized. ### Bank-related **Transaction refused due to blocked GB account**\ The payout cannot be performed because the target GB bank account is blocked. **Transaction refused due to blocked US account**\ The payout cannot be performed because the target US bank account is blocked. **Transaction refused due to blocked CA account**\ The payout cannot be performed because the target CA bank account is blocked. **Transaction refused due to blocked OTHER account**\ The payout cannot be performed because the target OTHER bank account is blocked. ## Payouts **Invalid or missing bank details**\ The payout cannot be performed due to missing or invalid banking information. **The bank wire has been refused**\ The bank wire has been refused by Mangopay or canceled by the end user. **The author is not the wallet owner**\ The payout author is not the corresponding wallet owner. **Insufficient wallet balance**\ The wallet does not contain enough funds to process the payout. **Specific case: please contact our Finance Team**\ The payout failed due to a specific issue. **Refused due to the Fraud Policy**\ The payout failed because it didn’t comply with Mangopay anti-fraud rules. **The associated bank account is not active**\ The bank account targeted by the payout is inactive. **The author is not the bank account owner**\ The payout author is not the corresponding bank account owner. **Payout expired before processing**\ The payout request expired before it could be processed. **Remitter or beneficiary identified as requiring further analysis**\ The payout was refused because further analysis of the payout author or bank account owner is required following routine screening. **Inapproriate bank account type used** The payout has been rejected by Mangopay’s team because the bank account is not of the correct type. **Generic withdrawal error**\ Generic withdrawal error. ### SCA via Recipients **This payout uses a non-SCA compliant bank account. Please create via the recipient endpoint and try again.** The payout failed because the linked Bank Account object was created after April 30, 2026. ### Verification of Payee (VOP) **Verification of Payee failed: account name and IBAN do not match. Please provide matching details to proceed with the payout** The payout failed because the result of the Verification of Payee (VOP) was `NO_MATCH` or `MATCH_NOT_POSSIBLE` and the VOP amendment is not signed ### Instant payments **The client's settings are incorrectly configured for instant payout**\ The Instant Payment feature is not activated for the platform. **The amount requested is greater than the authorised amount**\ The payout failed because the requested amount is higher than the authorized amount. **The user is not KYC-validated**\ The Instant Payment has been refused because the user is not verified. **The user is blocked by Fraud policy**\ The instant payment is refused because the user has been blocked by Mangopay's policy. **One or several required parameters are missing or incorrect. An incorrect resource ID also raises this kind of error.**\ One or several required parameters are missing or incorrect. An incorrect resource ID also raises this kind of error. **technical error, please try again later**\ A technical error occurred. **Destination Bank is not reachable**\ The bank to which the payout is made is not reachable. **Duplicate transaction identified**\ An instant payment has already been made to the same bank account for the same amount in the last 24 hours. **The destination IBAN is not valid**\ The payout failed because the IBAN of the bank account is not valid. **Generic operation error**\ Generic operation error **Manual review required - not compatible with payout mode requested**\ A manual review is required for this payout, so the `INSTANT_PAYMENT_ONLY` value for `PayoutModeRequested` cannot be processed. ## Reports **There was an error validating your report request**\ The report couldn’t be validated. **There was an error executing your report request**\ The report couldn't be executed.