OPay Error Codes
When a payment fails, it can be useful to retrieve the error code returned by the customer’s bank, the payment network or the payment processor. Such error codes can be used to determine the potential cause of the failure, and give valuable insights to your customer success teams.
introduction
OPay uses HTTP response status codes to indicate the success or failure of your requests. If your request fails, OPay returns an error using the appropriate status code. In this page, you will find a complete list of all potential error codes with an explanation of the specific reason of error occurred.
Error codes are normalized by OPay to provide a convenient and general error mapping. OPay aims to return all the available information, while acquirer banks sometimes simply return generic error codes instead of detailed error information.
Codes are splitted in two distinct categories: OPay Error Codes and Acquirer Bank Error Codes. OPay Error Codes, represent possible errors that are returned by OPay APIs and/or SDKs, while Acquirer Bank Error Codes represent transaction possible errors returned by processing bank.
OPay Error Codes
Represent possible errors that are returned by OPay APIs and/or SDKs
| error code | ERROR DESCRIPTION |
|---|---|
| 09 | time out |
| 90 | system failure |
| 91 | refund error, please try again later |
| 96 | search order error, please try again later |
| 97 | create checkout session failed |
| 98 | Invalid request header with requestId |
| 99 | request channel parameters are not valid |
Acquirer Bank Error Codes
Possible transaction errors returned by acquirer bank
| error code | ERROR DESCRIPTION |
|---|---|
| 05 | Do not honour |
| 13 | Invalid Amount |
| 51 | Insufficient funds |
| 54 | Expired card |
| 57 | Transaction not permitted to cardholder |
| 62 | Restricted card |
Keep Customers Informed
As you can see, there are different reasons for failed transactions. However, you should know what is the meaning of them to explain it accurately to your customers. When customers notice the problem with their card payments they act differently, so some of them try a different payment method, while others contact you directly. Note that there are also customers that drop their purchase or select a different online store (24 percent of online customers).
