Finaro (Credorax)
Métodos de pago en Sandbox
| Resultado | Tarjeta | Notas |
|---|---|---|
| 3DS2.x Frictionless | 4018810000100036 12/34 123 | |
| 3DS2.x Fingerprinting only | 4018810001010010 12/34 123 | |
| 3DS2.x Challenge only | 4018810000150015 12/34 123 | Código 0101 para OK y 3333 para KO |
| 3DS2.x Full flow | 4018810000190011 12/34 123 | Código 0101 para OK y 3333 para KO |
| Pago rechazado | 4548812049400004 12/34 123 |
Dynamic descriptor
El campo dynamic_descriptor es opcional y en caso de indicarse deberá cumplir una serie de reglas específicas:
- Tendrá un máximo de 13 caracteres.
- Debe empezar por el nombre del comercio, seguido de un asterisco y la información deseada por el comercio.
Códigos de error
Credorax puede devolver hasta dos códigos de error diferentes, uno de la procesadora y otro del esquema (VISA, MC...).
Errores de la procesadora
Si la operación no se ha podido llegar a realizar, el error tiene la siguiente estructura:
La estructura del error tiene la siguiente forma:
Código procesadora Mensaje procesadora
Por ejemplo:
-38 The transaction has been denied by the Gateway. 3D secure Authentication failed.
| Código | Mensaje |
|---|---|
| -69 | Transaction has been declined. Invalid 3ds_version parameter. |
| -68 | Authentication process timed out. Please try again. |
| -66 | Invalid combination of 3ds_initiate and exemption_action values |
| -65 | Gateway MID is not allowed for this exemption |
| -64 | TRA exemption is not allowed for this transaction amount |
| -63 | The requested gateway mid is not enrolled to 3D-secure service. |
| -50 | An error occurred during the 3D secure process |
| -39 | You need to be registered with the 3D Adviser service to complete the request |
| -38 | The transaction has been denied by the Gateway because 3D secure Authentication failed. Reason: {} |
| -37 | Transaction has been denied. Malformed or missing {} parameter. Originating component: {} |
| -36 | The selected Processor does not support some of the transaction’s parameters. |
| -35 | The selected MID is not registered to your account. |
| -33 | You need to be registered with the routing service to complete the routing request. |
| -32 | You are not registered with the selected Processor. |
| -30 | Transaction Failed due to error in 3D secure process |
| -20 | Processor authentication error. Please contact Credorax support. |
| -17 | Fraud-protection service is unavailable |
| -16 | Rejected. Overriding the fraud threshold is not allowed |
| -15 | Rejected. Bypassing the fraud service is not allowed. |
| -13 | The requested gateway mid is not enrolled in the 3D Secure Adviser service. |
| -12 | Transaction has been declined due to security restrictions. |
| -11 | Rejected. Format Error |
| -10 | Internal server error. Please contact Source support. |
| -9 | The parameter is malformed. |
| -8 | The Package Signature is malformed. |
| -7 | Incorrect Gateway Response. Connection is broken. |
| 0 | The transaction has been executed successfully. |
| 1 | The transaction has been denied by the Gateway. |
| 2 | The transaction has been denied by the Gateway due to its high fraud risk. |
| 03 | A Processing Response Reason Code of '03' (Invalid Merchant) is typically provided by a Card Issuing Bank when a Merchant's business is not supported on a Cardholder's account. Some cards are restricted for use for specific purposes and certain Merchant Category Codes (MCC) may be blocked. Also, local legislation within a Cardholder's country may prevent transactions from being processed for some Merchants. We would recommend for the Cardholder to contact their bank for further information about these rejections. |
| 04 | The transaction has been denied by the Gateway due to an interchange timeout. |
| 05 | The transaction has been declined. |
| 06 | Transaction pending cardholder authentication. |
| 07 | The transaction was declined by the gateway and will not be processed due to retry optimization policy. |
| 9 | The transaction has been denied by the Gateway due to a LUHN check failure |
| 10 | The transaction has been partially approved. |
| 11 | The queried transaction is currently being processed. Please try again. |
| 13 | Rejected. The fraud-protection service is unavailable. |
| 15 | Rejected. Risk score is above limit. |
Errores del esquema
Si la operación se ha intentado realizar pero se ha producido un error, el error tiene la siguiente estructura:
Código procesadora Mensaje procesadora [Codigo esquema Mensaje esquema]
Por ejemplo:
05 Transaction has been declined. [05 Do not honour]
| Código | Mensaje | Notas |
|---|---|---|
| 00 | Approved or completed successfully | |
| 01 | Refer to card issuer | |
| 02 | Refer to card issuer - special condition | |
| 03 | Invalid merchant | |
| 04 | Pick up card | Categoría 1 (VISA) |
| 05 | Do not honour | |
| 06 | Error | |
| 07 | Pick up card - special condition | Categoría 1 (VISA) |
| 08 | Honour with identification | |
| 10 | Partial amount approved | |
| 12 | Invalid transaction | Categoría 1 (VISA) |
| 13 | Invalid amount | |
| 14 | Invalid card number | Categoría 1 (VISA) |
| 15 | No such issuer | Categoría 1 (VISA) |
| 19 | Re-enter transaction | |
| 21 | No action taken | |
| 30 | Format error | |
| 34 | Implausible card data | |
| 39 | No credit account | |
| 41 | Lost card, pick up | Categoría 1 (VISA) |
| 42 | No universal account | |
| 43 | Pick up, stolen card | Categoría 1 (VISA) |
| 44 | No investment account | |
| 46 | Closed Account | Categoría 1 (VISA) |
| 50 | Do not renew | |
| 51 | Insufficient funds | |
| 52 | No checking account | |
| 53 | No savings account | |
| 54 | Expired card | |
| 55 | Incorrect PIN | |
| 57 | Transaction not allowed for cardholder | Categoría 1 (VISA) |
| 58 | Transaction not permitted to terminal | |
| 59 | Suspected Fraud | |
| 61 | Exceeds withdrawal limit | |
| 62 | Restricted card | |
| 63 | Security violation | |
| 64 | Wrong original account | |
| 65 | Activity count limit exceeded | |
| 68 | Response received too late | |
| 70 | PIN data required | |
| 71 | Decline, PIN not changed | |
| 75 | PIN tries exceeded | |
| 76 | Wrong PIN, number of PIN tries exceeded | |
| 77 | Wrong Reference Number | |
| 78 | Blocked, first used/Record not found | |
| 79 | Declined due to lifecycle event | |
| 80 | Network error | |
| 81 | PIN cryptographic error | |
| 82 | Timeout at issuer system | |
| 83 | Transaction failed | |
| 84 | Pre-authorization timed out | |
| 85 | No reason to decline | |
| 86 | Cannot verify PIN | |
| 87 | Purchase amount only, no cashback allowed | |
| 88 | Cryptographic failure | |
| 89 | Authentication Failure | |
| 91 | Issuer not available | |
| 92 | Unable to route at acquirer module | |
| 93 | Transaction cannot be completed, violation of law | |
| 94 | Duplicate transmission | |
| 95 | Reconcile error / Auth not found | |
| 96 | System malfunction | Categoría 2 (VISA) |
| 97 | Transaction has been declined by the processor | |
| N7 | CVV2 failure | |
| R0 | Stop Payment Order | Categoría 1 (VISA) |
| R1 | Revocation of Authorisation Order | Categoría 1 (VISA) |
| R3 | Revocation of all Authorisation Orders | Categoría 1 (VISA) |
| 1A | Strong Customer Authentication required | SCA requerido (soft-decline) |
| 6P | Verification Failed |