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# 101109

<table>
  <tbody>
    <tr>
      <th class="header">
        Error message
      </th>

      <td class="table-content">
        The payment period has expired
      </td>
    </tr>

    <tr>
      <th class="header">
        Description
      </th>

      <td class="table-content">
        The period allowed for the user to complete the payment has ended.
      </td>
    </tr>

    <tr>
      <th class="header">
        Categories
      </th>

      <td class="table-content">
        Bank wire pay-in

        \


        Web card pay-in

        \


        Klarna pay-in

        \


        Pay by bank pay-in

        \


        Refused transaction
      </td>
    </tr>
  </tbody>
</table>

#### Causes

This error occurs when the user does not complete the payment within the allowed time period.

The time period before this timeout error occurs is different between payment methods:

* On [card web pay-ins](/api-reference/web-card-payins/create-web-card-payin), the user has **within 15 minutes** to complete the payment on the hosted payment page.
* On [Klarna](/api-reference/klarna/create-klarna-payin), the user has **3 hours** to complete the payment on the Klarna page.
* On [bank wire pay-ins](/api-reference/bank-wire-payins/create-bank-wire-payin), the user must initiate the wire transfer with their bank and the funds must be received by Mangopay within **1 month**.
* On [pay by bank](/api-reference/pay-by-bank/create-pay-by-bank-payin), the user has **9 minutes** to complete the payment with their bank on the hosted page.

#### What to do

If the payment expires, give the user the option to retry the payment on your platform.

For bank wire pay-ins, if the funds were sent by the user and this error occurs, then please:

1. Create a new pay-in for the user's debit via [the API](/api-reference/bank-wire-payins/create-bank-wire-payin) or [the Dashboard](https://hub.mangopay.com/)
2. Contact Mangopay [via the Dashboard](https://hub.mangopay.com/) with:

* The pay-in ID
* Proof of the user's bank debit, which should show the date, amount, and IBAN (or the name registered on the bank account)