Dishonour Codes

When a payment attempt fails, you will receive a dishonour code that maps to one of the following. These are in order of how common they occur.

Code	Description	Can I try again?
insufficient-funds	The payer did not have enough funds at the time of the transaction.	Yes
temporary-problem	This usually occurs when transactions are out of the ordinary, too close together or a multitude of other reasons. The bank has said no, but you are allowed to try again, usually after an hour, or even better, the next day.	Yes
blocked-by-bank	This occurs when the bank determines the transaction to be suspicious. It can be potential fraud, a lost or stolen card, a frozen account, or just too risky. The bank will reject all future attempts.	No
invalid-card	The provided credit card information is invalid. Check all the details and create a new credit card source.	No
invalid-account	The provided bank account is invalid. Please re-confirm the information with the payer and create a new agreement.	No
unsupported-card	The card type you're trying to use isn't supported by the system. Visa and Mastercard are sure bets. Please confirm with us before trying other schemes.	No
technical-error	Something's gone wrong on our end. You should rarely see this error, but make sure you have a process in place to handle it. You'll need to contact support to find out what happened.	Yes

Testing

To test any of these dishonor types scenarios in the test environment, you are able to add the dishonor code anywhere into a payment description prefixed by a #.

var result = await api.Payment.ExecuteRealtime(new RealtimePaymentSaveOptions()
{
    FullName = "Ben Hotdog",
    Email = "[email protected]",
    CreditCardToken = "tkn_XXXXXXXXXXXXXXXXXXXXXXXXXXX",
    Amount = 1245,                
    Description = "this transaction will fail with #insufficient-funds"
});

curl https://api.getpinch.com.au/test/payments/realtime 
 -H "Authorization: Bearer ..." 
 -H "Content-Type: application/json" 
 -d "{
    'fullName': 'Ben Hotdog',
    'email': '[email protected]',
    'amount': 1245,
    'description': 'this transaction will fail with #insufficient-funds',
    'creditCardToken': 'tkn_XXXXXXXXXXXXXXXXXXXXXXXXXXX'
}"