Stripe Payment Processing Error Codes

This document provides a comprehensive reference for payment processing errors in the Convenient Checkout API. These errors can occur during get/payments and get/setup-payment-methods operations and help identify issues with payment processing.

Error Codes Summary

Error Code Summary

Error Title Reference	Error Title	HTTP Status	Detail Message	Scenario	Resolution
Card Authentication Errors	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	This card requires an additional security step to be performed by the customer. Please have the customer enter the card via text or email; otherwise, have the customer provide a different payment method.	When card requires 3D Secure authentication in agent session	Guide the customer to complete the card entry via SMS or email where 3D Secure can be handled, or request an alternative payment method.
	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	Payment method could not be authorized. This payment method requires authentication from a customer.	When card requires 3D Secure authentication in agent session	Guide the customer to complete the card entry via SMS or email where 3D Secure can be handled, or request an alternative payment method.
Card Decline Errors	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	The card was declined for an unknown reason. Contact issuer for more information.	Card declined	Advise the customer to contact their card issuer to determine the reason for the decline, or use an alternative payment method.
	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	An error occurred while processing the card, please try again.	Generic processing error	Attempt the transaction again. If the issue persists, request a different payment method from the customer.
	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	Payment method could not be authorized. Please try a different payment method.	General payment authorization failure	Request that the customer provide an alternative payment method.
	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	Payment method is canceled by a customer or expired by the financial partner	Card no longer valid	Ask the customer to update their card information or provide a new payment method.
Card Validation Errors	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	The CVC number is incorrect.	Invalid CVC	Prompt the customer to re-enter the correct CVC for their card.
	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	The card has expired.	Expired card	Request that the customer provide a card that has not expired.
Financial Limit Errors	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	The customer's account has insufficient funds to complete the purchase. Please use an alternative payment method.	Insufficient funds error (specific to payments)	Advise the customer to use a different payment method or to fund their account before attempting the transaction again.
	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	The customer has exceeded the balance, credit limit, or transaction amount limit available on their card. Contact issuer for more information.	Card limit exceeded (specific to payments)	Suggest that the customer contact their card issuer regarding their limits, or use a different payment method.
Bank Account Errors	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	The customer's bank account has been closed.	Account closed	Inform the customer that the bank account has been closed and request an alternative payment method.
	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	The customer's bank account could not be located.	Account not found	Verify the bank account details with the customer and correct any errors, or request an alternative payment method.
Early Warning System Errors	NOT_ACCEPTABLE	406 NOT ACCEPTABLE	earlyWarningMessage	Early warning system validation error	Review the specific early warning message and take appropriate action based on the warning type. This may require additional verification or an alternative payment method.

---

Error Codes Details

Card Authentication Errors

3D Secure Authentication Required

Scenario: The card requires 3D Secure authentication which must be completed by the cardholder.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "This card requires an additional security step to be performed by the customer. Please have the customer enter the card via text or email; otherwise, have the customer provide a different payment method."
}

Customer Authentication Required

Scenario: The payment method requires direct authentication from the customer.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "Payment method could not be authorized. This payment method requires authentication from a customer."
}

Card Decline Errors

Card Declined

Scenario: The card was declined by the issuer.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "The card was declined for an unknown reason. Contact issuer for more information."
}

Generic Processing Error

Scenario: An unspecified error occurred while processing the card payment.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "An error occurred while processing the card, please try again."
}

General Authorization Failure

Scenario: The payment method could not be authorized.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "Payment method could not be authorized. Please try a different payment method."
}

Invalid Card Status

Scenario: The card is no longer valid due to cancellation or expiration.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "Payment method is canceled by a customer or expired by the financial partner"
}

Card Validation Errors

Invalid CVC

Scenario: The card verification code (CVC/CVV) provided is incorrect.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "The CVC number is incorrect."
}

Expired Card

Scenario: The card has passed its expiration date.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "The card has expired."
}

Financial Limit Errors

Insufficient Funds

Scenario: The customer's account lacks sufficient funds to complete the payment transaction.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "The customer's account has insufficient funds to complete the purchase. Please use an alternative payment method."
}

Card Limit Exceeded

Scenario: The customer has exceeded their card's balance, credit limit, or transaction limit.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "The customer has exceeded the balance, credit limit, or transaction amount limit available on their card. Contact issuer for more information."
}

Bank Account Errors

Account Closed

Scenario: The customer's bank account has been closed.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "The customer's bank account has been closed."
}

Account Not Found

Scenario: The customer's bank account could not be located.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "The customer's bank account could not be located."
}

Early Warning System Errors

Early Warning System Validation

Scenario: Early warning system detected a potential issue with the transaction.

Sample Response:

{
  "title": "NOT_ACCEPTABLE",
  "status": 406,
  "detail": "earlyWarningMessage"
}