A payment says "failed" — what do the error codes mean?
A failed payment is grouped by where it failed — validation, risk, compliance, the customer's bank, or capture. Here's what each group means and who can fix it.
When a payment fails, Fynex groups the reason by where in the flow it stopped. Knowing the group tells you who can fix it — you, the customer, or their bank. Most failed payments are a bank decline (the customer’s side), not a problem with your account.
The groups you’ll see
- Declined by the bank. The customer’s bank said no — most common. Often “Do Not Honour”, a risk flag, or not enough funds. The customer should try a different card or contact their bank. See Why did my customer’s payment fail?
- Authentication failed (3-D Secure). The customer didn’t complete their bank’s verification step. Ask them to retry and finish it. See Why was my payment declined by 3-D Secure?
- Checkout expired. The payment page was left too long and timed out. Send a fresh link.
- Held for review. A risk or compliance check paused it, rather than a hard decline. See Why are my funds on hold?
- Provider error or timeout. A temporary issue reaching the card network. The customer can simply try again.
- Setup issue on the account. Rare — the account isn’t fully configured to take this payment (for example no live payment method). Contact support.
What to do first
Read the reason on the payment. If it points at the card or the bank, the fix is with the customer (different card, complete 3-D Secure, call their bank). If it points at a review or a setup issue, that’s on our side — contact support.
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