Bank Error Codes

When the relevant request is successfully made and the payment is initiated, errors that include payment responses returned from the bank are evaluated in this group. The error codes and explanations of this group are as follows.

Error Code	Description	Error Code	Description	Details
DO_NOT_HONOUR	Transaction not approved	10005	An error occurred during the payment process, please contact your bank.	This is a card-related error; the cardholder must contact their bank.
INVALID_TRANSACTION	Invalid transaction	10012	An error occurred during the payment process, please contact your bank.	This is a card-related error. It is recommended that the card holder contact their bank.
FRAUD_SUSPECT	Payment failed to pass security check	10034	The transaction was not permitted by the bank.	Fraud precaution. The transaction is not permitted by the bank. The customer may be the person committing fraud; it is recommended not to provide information to the customer and to direct them to the bank.
PICKUP_CARD	Lost card, seize the card	10041	The PIN attempt limit has been exceeded, the transaction is not permitted by the bank.	This occurs when the user enters the PIN incorrectly multiple times, leading the bank to place a restriction on the card. The customer may be the person committing fraud; it is recommended not to provide information to the customer and to direct them to the bank.
LOST_CARD	Lost card, seize the card	10043	The transaction is not permitted by the bank.	Notification of lost/stolen card. The transaction is not permitted by the bank. The customer may be the one committing fraud; it is recommended not to inform the customer and direct them to the bank.
NOT_SUFFICIENT_FUNDS	Insufficient card limit, insufficient balance	10051	Insufficient card limit, insufficient balance.	This error occurs when the card limit is insufficient.
EXPIRED_CARD	Expiry date incorrect	10054	Expiry date incorrect. Your card has expired.	This error occurs when the card has expired.
NOT_PERMITTED_TO_CARDHOLDER	Cardholder cannot perform this transaction	10057	Your card is restricted for this transaction, please contact your bank.	This error occurs when there is a restriction placed on the card by the issuing bank. The cardholder should contact their bank for more information.
NOT_PERMITTED_TO_TERMINAL	Terminal not authorized for this transaction	10058	Error occurred during payment, please contact the company representative.	This error is received from the POS bank and could be card-related. Please contact iyzico for transaction-specific issues.
INVALID_CVC2	Incorrect CVC2 information	10084	The entered CVV value is incorrect or invalid.	This error occurs when the CVV value sent in the payment request is incorrect or invalid according to the bank. The user can try the transaction again, and if the error persists, they should contact their bank.
RESTRICTED_BY_LAW	Your card is closed for online shopping. You can contact your bank to enable it.	10093	Your card is closed for online shopping, please contact your bank.	This error occurs when the card is closed for internet banking. The cardholder can contact their bank or, if supported, enable internet banking through their bank’s mobile application.
CARD_NOT_PERMITTED	Card did not permit the transaction	10201	The card did not permit the transaction, please contact your bank.	The cardholder should contact their bank for more details.
UNKNOWN	A general error occurred during the payment process	10202	Error occurred during the payment process, please contact the company representative.	This error can occur due to an expected request structure error from the bank. Please contact iyzico for transaction-specific issues.
INVALID_XML_END_TAG	A general error occurred during the payment process	10204	Error occurred during the payment process, please contact the company representative.	Please contact iyzico for transaction-specific issues.
INVALID_CHARS_IN_EMAIL	Email is not in a valid format	10205	The email address is not in a valid format, please check your email address.	Please contact iyzico for transaction-specific issues.
REFER_TO_CARD_ISSUER	Please get approval from your bank	10207	Please get approval from your bank.	This is a card-related error, and the cardholder needs to contact their bank.
INVALID_MERCHANT_OR_SP	Invalid merchant category code	10208	Error occurred during payment, please contact the company representative.	Please contact iyzico for transaction-specific issues.
BLOCKED_CARD	Card is blocked	10209	Card is blocked, please contact your bank.	The cardholder should contact their bank for more details.
INVALID_CAVV	Incorrect CAVV information	10210	Incorrect CVC information, please try again.	This error occurs when the CVV value sent in the payment request is incorrect or invalid according to the bank. The user can try the transaction again, and if the error persists, they should contact their bank.
INVALID_ECI	Incorrect ECI information	10211	Error occurred during the payment, please contact your bank.	This is a card-related error, and the cardholder needs to contact their bank.
CVC2_MAX_ATTEMPT	Exceeded the maximum number of CVC2 attempts	10212	Exceeded the maximum number of incorrect CVC attempts, please contact your bank.	The cardholder should contact their bank for more details.
BIN_NOT_FOUND	BIN not found	10213	BIN not found, please contact the company representative.	Please contact iyzico for transaction-specific issues.
COMMUNICATION_OR_SYSTEM_ERROR	Communication or system error	10214	Error occurred at the bank, please try again later.	This error occurs due to temporary or transaction-specific issues at the bank. Please contact iyzico for transaction-specific issues.
INVALID_CARD_NUMBER	Invalid card number	10215	Invalid card, incorrect card number, please check your card number.	The card number entered in the payment form should be checked by the user. If the error persists, the cardholder should contact their bank.
NO_SUCH_ISSUER	Issuing bank not found	10216	Error occurred at the bank, please try again later.	This error occurs due to temporary or duration-based interruptions at the card bank. If the error persists, please contact iyzico for transaction-specific issues.
DEBIT_CARDS_REQUIRES_3DS	Debit cards can only be used with 3D Secure transactions	10217	The transaction must be performed as 3D Secure.	This error occurs when the issuing bank informs that transactions made with the debit card must be 3D Secure.
DEBIT_CARDS_INSTALLMENT_NOT_ALLOWED	Installments are not allowed with debit cards	10218	Installments are not allowed with debit cards, please try again.	This error occurs when installments are selected with a debit card.
REQUEST_TIMEOUT	Request to the bank timed out	10219	Error occurred at the bank, please try again later.	This error occurs due to temporary or transaction-specific issues at the bank. Please contact iyzico for transaction-specific issues.
DECLINED	Payment not accepted	10220	Please try again. If the error persists, please contact your bank.	This is a temporary bank error. The user can try again, and if the error persists, they should contact their bank. The detailed error can be checked from the iyzico Merchant Panel, and please contact iyzico for transaction-specific issues.
NOT_PERMITTED_TO_FOREIGN_CARD	Terminal closed to foreign cards	10221	Transactions with foreign cards are not allowed, please contact the company representative.	This error occurs when the account is closed to foreign cards. Merchants who want to accept transactions with foreign cards can contact their iyzico account representative.
NOT_PERMITTED_TO_INSTALLMENT	Terminal closed to installment transactions	10222	The POS is closed to installment transactions, please contact the company representative.	This error occurs when the POS used for the transaction does not support installments. The current installment information can be retrieved from the iyzico installment service. If an installment transaction is desired and not previously agreed upon, contact your iyzico account representative.
REQUIRES_DAY_END	End of day required	10223	End of day required for the POS.	This error can occur for refund requests when a refund request is made for a transaction that occurred on the same day.
EXCEEDS_WITHDRAWAL_AMOUNT_LIMIT	Withdrawal amount limit exceeded	10224	Your card's transaction limit has been exceeded, please contact your bank.	This error occurs when the transaction limit for the card is exceeded. The cardholder should contact their bank for more details.
RESTRICTED_CARD	Restricted card	10225	Your card is restricted for this transaction, please contact your bank.	This error occurs due to a restriction placed on the card by the issuing bank. The cardholder should contact their bank for more details.
EXCEEDS_ALLOWABLE_PIN_TRIES	Exceeded the allowable number of PIN attempts	10226	You have exceeded the allowable number of PIN attempts, please contact your bank.	This error occurs when the user enters the PIN value incorrectly multiple times. The cardholder should contact their bank for more details.
INVALID_PIN	Invalid PIN	10227	Incorrect PIN number, please try again.	This error occurs when the user enters the PIN number incorrectly. Trying the transaction again is recommended.
ISSUER_OR_SWITCH_INOPERATIVE	Bank or terminal cannot process the transaction	10228	Error occurred at the bank, please try again later.	This error occurs due to temporary or duration-based interruptions at the card bank.
INVALID_EXPIRE_YEAR_MONTH	Invalid expiration date	10229	The expiration date of the card is incorrect, please try again.	This error occurs when the expiration date sent in the payment request is incorrect. The user can check and try the transaction again.
REQUEST_BLOCKED_BY_BANK	Request blocked by the bank	10230	The payment request was blocked by the bank, please contact your bank.	This error occurs when the payment request is blocked by the bank. Please contact iyzico for transaction-specific issues.
SALES_AMOUNT_LESS_THAN_AWARD	The sales amount cannot be less than the award points	10231	The sales amount cannot be less than the award points used	This error occurs when the points value sent in the payment request is more than the transaction amount.
INVALID_AMOUNT	Invalid amount	10232	Invalid amount, please contact your bank.	This is a card-related error, and the cardholder needs to contact their bank.
INVALID_CARD_TYPE	Invalid card type	10233	Invalid card type, please contact your bank.	This error is received from the bank and can be resolved by contacting the bank for transaction-specific issues.
NOT_SUFFICIENT_AWARD	Insufficient award points	10234	Insufficient points.	This error occurs when the points value sent in the payment request is more than the user's available points.
AMEX_CAN_USE_ONLY_MR	American Express card error	10235	American Express card error, please contact your bank.	The cardholder should contact their bank for more details.
REFUND_NOT_ALLOWED_FOR_THIS_DEBIT_CARD	Refunds are not allowed for debit card transactions	10237	Refunds are not allowed for debit card transactions	Please contact iyzico for transaction-specific issues. More information can be obtained from the bank.
INPUT_DATA	Invalid transaction	10238	Invalid transaction	This is an alternative payment method error.
USER_ABORT	Payment was canceled by the user	10239	Payment was canceled by the user	This is an alternative payment method error.
TIMEOUT	The request sent timed out	10240	The request sent timed out	This is an alternative payment method error.
REMOTE_ERROR	Communication or system error	10241	Communication or system error	This is an alternative payment method error.
LOCAL_ERROR	Communication or system error	10242	Communication or system error	This is an alternative payment method error.
LOCAL_DECLINE	Payment not accepted	10243	Payment not accepted	This is an alternative payment method error.
REMOTE_DECLINE	Payment not accepted	10244	Payment not accepted	This is an alternative payment method error.
QUOTA	The refund amount for the payment installment and the total previously refunded amount cannot be more than the installment amount	10245	The refund amount for the payment installment and the total previously refunded amount cannot be more than the installment amount	This is an alternative payment method error.
REFUND_DECLINE	You cannot currently process a refund for the transaction made with the alternative payment method, please try again later	10246	You cannot currently process a refund for the transaction made with the alternative payment method, please try again later	This is an alternative payment method error.
BANK_TRANSFER	Bank transfer payment not made	10247	Bank transfer payment not made	This response is returned when the expected payment via bank transfer/EFT is not received.
EXCEEDED_TRANSACTION_AMOUNT	The amount you want to transact exceeds the transaction limit, we cannot assist you at this time.	10248	The amount you want to transact exceeds the transaction limit, please contact your bank.	The cardholder should contact their bank for more details.
FUND_API	An error occurred during the fund API payment.	10249	An error occurred during the balance payment, please contact the company representative.	Please contact iyzico for transaction-specific issues.
LOYALTY_USAGE_INSTALLMENT_NOT_ALLOWED	Points cannot be used for installment transactions.	10250	Points cannot be used for installment transactions.	This is not valid for all banks. When points are used in transactions from İş Bank and installments are sent, the transaction fails at the bank.
LOYALTY_MIXED_USAGE_NOT_ALLOWED	Points and card limit cannot be used together for the card used in the transaction	10251	Points and card limit cannot be used together for the card used in the transaction	This is not valid for all banks. For World cards, if the card's bank is not Yapıkredi, the entire transaction amount must be paid with points, or no points should be used in the transaction.
CALLBACK 3DS			An error occurred during 3D Secure verification.	This status occurs when the user cannot successfully verify themselves in the 3D form.
INIT_3DS			An error occurred during the 3D Secure verification process.	The status of a transaction remains in the init_threeds state under the following circumstances: -When the user voluntarily exits the 3D form, -When the user is unable to view the 3D form for various reasons (e.g., due to network issues, low internet speed caused by the internet service provider, or situations where the user's environment prevents the 3D form from opening on their screen), -In cases where the transaction is conducted with a foreign card and the user does not receive an SMS, -When the card or the card's bank does not support 3D, -When the user has not set up a 3D password specifically for a foreign card.