Finaro (Credorax)

Payment methods in Sandbox

Result	Card	Notes
3DS2.x Frictionless	4018810000100036 12/34 123
3DS2.x Fingerprinting only	4018810001010010 12/34 123
3DS2.x Challenge only	4018810000150015 12/34 123	Code 0101 for OK and 3333 for KO
3DS2.x Full flow	4018810000190011 12/34 123	Code 0101 for OK and 3333 for KO
Rejected payment	4548812049400004 12/34 123

Dynamic descriptor

The field dynamic_descriptor is optional, but when it's sent by the merchant, it must match some specific rules:

• Maximum length is 13 characters
• It must begin with the merchant name, followed by an asterisk and then, the required details the merchant needs to include until the maximum length is reached.

Error codes

Credorax can return up to two different error codes, one from the processor and one from the scheme (VISA, MC...).

Processor errors

If the operation could not be completed, the error has the following structure:

The error structure has the following form:

Processor code Processor message

For example:

-38 The transaction has been denied by the Gateway. 3D secure Authentication failed.

Code	Message
-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.

Schematic errors

If the operation was attempted but an error occurred, the error has the following structure:

Processor code Processor message [Scheme code Scheme message].

For example:

05 Transaction has been declined [05 Do not honor].

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