API Reference

Response codes

Review Onerway payment response codes, response messages, and recommended troubleshooting actions.

Use this page when an API response returns a respCode other than 20000. The table lists the response message, helps you identify the error category, check request parameters, and decide whether to ask the customer to use another card, retry later, or contact Onerway support.

respCode=20000 means Onerway processed the request. It does not always mean the payment, refund, subscription, or tokenization result is final. Confirm the final state through the endpoint documentation, asynchronous notifications, and query APIs.

Issuer and acquirer declines are often caused by card details, account state, issuer risk checks, or channel availability. Do not blindly retry hard declines, suspected fraud, AML, legal, or regulatory restriction errors.

Code ranges

Range	Category	Count
`11xxx`	System errors	1
`12xxx`	Configuration errors	11
`13xxx`	Parameter errors	35
`132xx`	Subscription errors	16
`14xxx`	Refund errors	15
`20xxx`	Risk control errors	1
`30xxx`	Validation errors	21
`40xxx`	Acquirer errors	6
`50xxx`	3DS errors	5
`60xxx`	Issuer errors	83
`70xxx`	General errors	2

System errors (11xxx)

Code	Message	Recommended action
`11001`	System exception	Contact Onerway support

Configuration errors (12xxx)

Code	Message	Recommended action
`12001`	System configuration decline	Contact Onerway support
`12002`	Merchant ID is disabled or settlement currency is not configured	Contact Onerway support
`12003`	Card brand/3DS/Service is not supported	Contact Onerway support
`12004`	Merchant Account is disabled or non-existent	Contact Onerway support
`12005`	Invalid transaction ID for SDK initialization	Check if the transaction number used for initializing the SDK is from the server response; Confirm the transaction number has not been tampered; Confirm the ordering interface and SDK environments are consistent
`12006`	Subscription payment information verification failed	For Onerway-managed subscriptions (`selfExecute=1`) only: make sure the subscription payment time matches the configured frequency
`12007`	Incorrect transaction ID	Check merchantNo
`12008`	Invalid transaction IP	Check transactionIp in the request
`12009`	Request channel timed out	Retry later
`12010`	Configuration error prevents the request from being processed	Contact Onerway support and confirm the transaction type is enabled
`12011`	3DS/API request initialization failed	Contact Onerway support

Parameter errors (13xxx)

Code	Message	Recommended action
`13001`	Invalid appId	Contact Onerway support
`13002`	Invalid card number	Check the card number and retry
`13003`	Invalid transaction URL	Check whether the requested domain matches the registered domain; Contact Onerway support
`13004`	Expired card	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`13005`	Year must be 2 or 4 digits	Check the card details and retry; Ask the customer to use another card
`13006`	Invalid state, please fill in the correct state when the country is US, CA or CN.	Check state in the request (required for US, CA, CN)
`13007`	Incorrect card information	Check the card details and retry
`13008`	Repeat transaction rejected	Check whether the transaction already succeeded
`13009`	Card number is required	Check the card number and retry
`13010`	Unsupported card brand: MAESTRO	Check card brand configuration
`13011`	Decline - Invalid account number	Ask the customer to contact the issuer; Ask the customer to use another card
`13012`	`billingAddress.city` is longer than 30 characters	Check `billingAddress.city` in the request
`13013`	mpiInfo is required when risk3dsStrategy is EXTERNAL	Check mpiInfo in the request
`13014`	Invalid transaction type	Check txnType in the request
`13015`	merchantCustId is required for subscription	Check merchantCustId in the request
`13016`	Subscription contract parameters are required	Check subscription in the request
`13017`	Billing information, email, and country are required	Check billingInformation (email, country)
`13018`	Invalid productType	Check productType in the request
`13019`	Invalid product information format	Check txnOrderMsg (product)
`13020`	Invalid subscription frequency	Check subscription (frequencyType, frequencyPoint)
`13021`	Transaction query time range cannot exceed 90 days	Check startTime and endTime
`13022`	Unsupported currency	Check country and currency consistency
`13023`	Subscription contract unavailable	Check subscription status
`13024`	contractId or tokenId is required for subscription payment	Check contractId and tokenId
`13025`	Card year/month is invalid	Check year and month
`13026`	Invalid subProductType	Check subProductType
`13027`	Duplicate order transaction	Check if the request has already been successful
`13028`	Query condition is required	Check merchantTxnIds, transactionIds, startTime, endTime
`13029`	Subscription contract expired	Check whether the subscription has expired
`13030`	Invalid transaction amount	Check amount
`13031`	PAN-only card does not support 3DS	Change to a card that supports 3DS
`13032`	Order has already been captured or canceled	Check whether the order has already been captured or canceled
`13033`	Parameters have already been used for the first subscription purchase	Check whether the same buyer already subscribed with the same card
`13034`	Invalid card verification code length	Check the card verification code length
`13035`	Refund amount is too small	Refund amount must be greater than 0

Subscription errors (132xx)

Code	Message	Recommended action
`13200`	Invalid self-execute setting	Check "Self execute" setting
`13201`	Invalid email	Check email
`13202`	Invalid cycle count	Check "Cycle count"
`13203`	Invalid trial-from-plan setting	Check "Trial from plan"
`13204`	Invalid trial days or trial end	Check "Trial days" or "trial end"
`13205`	Invalid products information	Check "Products information"
`13206`	Invalid proration setting	Check "Proration"
`13207`	Invalid billing cycle anchor	Check "Billing cycle anchor"
`13208`	Invalid frequency type	Check "frequency type"
`13209`	Invalid subscription request type	Check "subscription request type"
`13210`	Invalid subscription period	Check "subscription period"
`13211`	Invalid subscription frequency	Check "subscription frequency"
`13212`	Invalid merchant customer number	Check "Merchant customer number"
`13213`	Invalid contract number or token	Check "contract number" or "token"
`13214`	Subscription validity is earlier than the current time	Check "Subscription validity"
`13215`	Invalid contract information	Check "contract information"

Refund errors (14xxx)

Code	Message	Recommended action
`14001`	Refund failed	Check the transaction status
`14002`	Real-time refund is not supported	Retry later
`14003`	Cumulative refund amount exceeds the transaction amount	Check the current and cumulative refund amounts
`14004`	Refund has already been processed and cannot be canceled	Check the refund status before canceling
`14005`	Online refunds not supported	Process the refund manually through an offline channel
`14006`	Real-time refund not supported	Use delayed refund processing
`14007`	Refund not supported for this payment method	Process the refund manually through another channel
`14008`	System automatic refund in progress	Wait for the automatic refund to complete
`14009`	Only full refund allowed for chargeback transactions	Submit a full refund instead of a partial refund
`14010`	Refund must use designated interface	Send the refund request to the designated interface
`14011`	Online refund failed because orders are pending or rejected	Resolve pending or rejected orders first
`14012`	Insufficient payout account balance	Make sure the payout account has sufficient funds
`14013`	Transaction does not support refund initiation	Contact Onerway support
`14014`	Chargeback already exists, refund not supported	Do not refund again; the amount has already been returned through the bank or card issuer
`14015`	Original transaction was not successful	Verify the original transaction status before refunding

Risk control errors (20xxx)

Code	Message	Recommended action
`20001`	High risk	Confirm the customer identity; retry after 24 hours or contact Onerway support

Validation errors (30xxx)

Code	Message	Recommended action
`30001`	Invalid IP address	Check ip in the request
`30002`	Invalid birthDate	Check birthDate
`30003`	Invalid product	Check product
`30004`	Invalid merchantCustId	Check merchantCustId
`30005`	Invalid productType	Check productType
`30006`	Invalid appId	Check appId
`30007`	Invalid number	Check the card number and retry
`30008`	Invalid card verification code	Check the card verification code and retry
`30009`	Invalid pin	Ask the customer to contact the issuer; Ask the customer to use another card
`30010`	Invalid expiry month or year	Check the expiry date and retry; Ask the customer to use another card
`30011`	Invalid cardholder name	Check the cardholder name and retry
`30012`	Invalid country	Check country
`30013`	Invalid state	Check state
`30014`	Invalid city	Check city
`30015`	Invalid address	Check address
`30016`	Invalid email	Check email
`30017`	Invalid postalCode	Check postalCode
`30018`	Invalid phone	Check phone
`30019`	Invalid account	Ask the customer to contact the issuer; Ask the customer to use another card
`30020`	Invalid parameters	Check the API documentation and request parameters
`30021`	Invalid transaction URL	Contact Onerway support to review and approve the website

Acquirer errors (40xxx)

Code	Message	Recommended action
`40000`	Illegal parameter {field}	Check the field value, format, and dependencies against the endpoint reference; `message` names the offending field
`40001`	Acquirer suspected fraud	Confirm the customer identity and retry with another card
`40002`	Acquirer system failure	Retry later; Ask the customer to use another card; Contact Onerway support
`40003`	Acquirer decline	Retry later; Ask the customer to use another card
`40004`	Acquirer timeout	Retry later
`40005`	Missing or invalid acquirer parameters	Contact Onerway support

3DS errors (50xxx)

Code	Message	Recommended action
`50001`	3DS authentication required	Retry and complete 3DS authentication; Ask the customer to use another card
`50002`	3DS parameters error	Retry and complete 3DS authentication; Ask the customer to use another card
`50003`	3DS authentication failure	Retry and complete 3DS authentication; Ask the customer to use another card
`50004`	3DS system error	Retry and complete 3DS authentication; Ask the customer to use another card
`50030`	Order canceled	Confirm the order state before retrying

Issuer errors (60xxx)

Code	Message	Recommended action
`60001`	Refer to card issuer	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60002`	Refer to card issuer, special condition	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60003`	Invalid merchant	Contact Onerway support
`60004`	Pick up card (no fraud)/Capture card	Ask the customer to contact the issuer or use another card
`60005`	Do not honor	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60006`	Issuer processing error	Retry later or ask the customer to use another card
`60007`	Pick up card, special condition (fraud account)	Ask the customer to contact the issuer or use another card
`60012`	Invalid transaction	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60013`	Invalid amount or Currency conversion field overflow	Check transaction amount or currency; Contact Onerway support
`60014`	Invalid account number	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60015`	Invalid issuer	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60019`	Re-enter transaction	Check for format errors; Check address information
`60021`	No action taken	Ask the customer to contact the issuer; Ask the customer to use another card
`60025`	Unable to locate record in file	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60028`	File temporarily not available for update or inquiry	Retry the transaction
`60030`	Format error	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60039`	No credit account	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60041`	Lost card, pick up card (fraud account)	Ask the customer to contact the issuer or use another card
`60043`	Stolen card, pick up (fraud account)	Ask the customer to contact the issuer or use another card
`60046`	Closed account	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60051`	Insufficient funds/over credit limit	Refer to card issuer to confirm credit limit; Ask the customer to use another card
`60052`	No checking account	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60053`	No savings account	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60054`	Expired card or expiration date missing	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60055`	PIN incorrect or missing/Invalid PIN	Ask the customer to contact the issuer or use another card
`60057`	Transaction not permitted to issuer/cardholder	Ask the customer to contact the issuer or use another card
`60058`	Transaction not permitted to acquirer/terminal	Ask the customer to contact the issuer or use another card
`60059`	Suspected fraud	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60061`	Exceeds approval amount limit	Ask the customer to contact the issuer or use another card
`60062`	Restricted card (card invalid in region or country)/Restricted card	Ask the customer to contact the issuer or use another card
`60063`	Security violation (source is not correct issuer)/Security violation	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60064`	Transaction does not fulfill AML requirement	Do not retry; review the transaction risk
`60065`	Exceeds withdrawal frequency limit	Ask the customer to contact the issuer; Ask the customer to use another card; Contact Onerway support
`60070`	PIN data required or contact card issuer	Ask the customer to contact the issuer or use another card
`60071`	PIN Not Changed	Ask the customer to contact the issuer or use another card
`60074`	Different value than that used for PIN encryption errors	Ask the customer to contact the issuer or use another card
`60075`	Allowable number of PIN entry tries exceeded	Ask the customer to contact the issuer or use another card
`60076`	Invalid or unsolicited reversal account information	Ask the customer to contact the issuer or use another card
`60077`	Invalid/nonexistent "From Account" specified	Ask the customer to contact the issuer or use another card
`60078`	Blocked card or invalid account	Contact card issuer to confirm activation; Ask the customer to use another card
`60079`	Reversed or card life-cycle restriction	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60080`	No financial impact or issuer system unavailable	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60081`	PIN cryptographic error or domestic debit not allowed	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60082`	Card authentication value failed or issuer policy decline	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60083`	Fraud/Security (Mastercard use only)	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60084`	Invalid Authorization Life Cycle	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60086`	PIN verification is not possible	Retry on the same day; Try a non-PIN transaction if applicable
`60087`	Purchase Amount Only, No Cash Back Allowed	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60088`	Cryptographic failure	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60089`	Financial position information is not available or PIN retry required	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60090`	Cutoff is in progress	Ask the customer to contact the issuer or use another card
`60091`	Issuer or authorization system unavailable	Retry in 24 hours; Ask the customer to contact the issuer; Ask the customer to use another card
`60092`	Unable to route transaction	Contact Onerway support
`60093`	Transaction violates legal or regulatory requirements	Ask the customer to contact the issuer; do not retry
`60094`	Duplication transaction detected	Check whether the transaction already succeeded
`60096`	System malfunction	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`60100`	Exceeds authentication frequency limit	Ask the customer to contact the issuer; Ask the customer to use another card; Contact Onerway support
`60101`	Cancelled	Ask the customer to contact the issuer; Ask the customer to use another card; Contact Onerway support
`60102`	Duplicate transaction	Check whether the transaction already succeeded
`60103`	Soft decline	Ask the customer to use another card or complete a 3DS challenge
`60104`	Hard decline	Do not retry
`60105`	Refund failed	Contact Onerway support
`60106`	Customer did not pay before the order timed out	Ask the customer to complete payment before the order expires
`60129`	Suspected Counterfeit Card	Ask the customer to contact the issuer; Ask the customer to use another card
`6001A`	Additional customer authentication required	Ask the customer to use another card or complete 3DS authentication
`6001Z`	Authorization system inoperative	Ask the customer to contact the issuer or use another card
`6006P`	Verification data failed	Check the card details and retry; Complete 3DS authentication; Ask the customer to use another card
`600B1`	Surcharge amount not permitted on Visa cards or EBT food stamps (U.S. acquirers only)	Ask the customer to use another card
`600B2`	Surcharge amount not supported by debit network issuer.	Ask the customer to use another card
`600N0`	Issuer forces stand-in processing	Check the card details and retry; Complete 3DS authentication; Ask the customer to use another card
`600N3`	Cash service not available	Ask the customer to contact the issuer; Retry later; Change the amount; Ask the customer to use another card
`600N4`	Cash request exceeds issuer or approved limit	Ask the customer to contact the issuer; Change the amount; Ask the customer to use another card
`600N5`	Ineligible for resubmission	Ask the customer to contact the issuer; Ask the customer to use another card
`600N7`	Decline for card verification code failure	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`600N8`	Transaction amount exceeds preauthorized approval amount	Make sure the capture amount does not exceed the authorized amount
`600P5`	Denied PIN unblock—PIN change or unblock request declined by issuer	Ask the customer to contact the issuer or use another card
`600P6`	Denied PIN change—requested PIN unsafe	Ask the customer to contact the issuer or use another card
`600Q1`	Card Authentication failed	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card
`600R0`	Stop this payment	Do not retry; contact Onerway support
`600R1`	Stop all future payments	Do not retry; contact Onerway support
`600R2`	Transaction does not qualify for Visa PIN	Ask the customer to contact the issuer or use another card
`600R3`	Stop all merchants	Do not retry; contact Onerway support
`600Z3`	Unable to go online; offline declined	Check the card details and retry; Ask the customer to contact the issuer; Ask the customer to use another card

General errors (70xxx)

Code	Message	Recommended action
`70001`	Common decline	Contact Onerway support
`70002`	Unknown decline	Contact Onerway support

Chargeback status change webhook

Reports chargeback status changes without retries.